Business HELOC

Put your home equity to work for your business. A business-purpose line of credit from $25K to $750K that sits alongside your existing mortgage, so you keep your low first-mortgage rate.

Check Your Options Call (877) 205-4545
$25K - $750K Lines
Soft pull to Prequalify
100% Online
As few as 5 days to Fund

Why a Business HELOC

Tap Your Home Equity
Borrow against the equity in a home you already own, including second homes and investment properties.
Keep Your Mortgage
No refinance required. Your existing first mortgage and its rate stay in place.
Prequalify With a Soft Pull
Checking your prequalified amount does not affect your credit score. A full credit check happens only if you move forward.
No Out-of-Pocket Costs
Closing costs are included in the line, so nothing is due from you to get funded.

How a Business HELOC Works

Keep your low mortgage rate
This is a standalone line of credit, not a cash-out refinance. Your first mortgage stays exactly as it is, and the line can sit behind an existing first or second lien.
Built for business expenses
Use the funds to consolidate higher-cost business debt, add working capital, or invest in growth such as equipment, inventory, or a new location.
Simple monthly payments
Repayment is a monthly payment over a long term rather than daily or weekly debits, and rates are typically lower than credit cards or unsecured short-term financing.
Fast and fully online
See what you prequalify for in seconds with a soft credit inquiry. The application takes about five minutes, closing is done with an online notary in most counties, and funds can arrive in as few as five business days.

Who Qualifies

PropertyA home you own (primary residence, second home, or investment property)
Line Amount$25,000 - $750,000, based on your equity, credit, and income
Min Credit Score600
To PrequalifySoft credit inquiry
Time to FundAs few as 5 business days
Available InMost states (a funding expert will confirm yours)

Three Simple Steps

Step 1. Prequalify

See your prequalified line amount in seconds with a soft credit check, with no effect on your credit score.

Step 2. Verify and Sign Online

Link your accounts to verify income, confirm your ID, and sign with an online notary.

Step 3. Receive Your Funds

Funds are sent by ACH after closing. For a primary residence this includes the three-business-day right to cancel.

Business HELOC steps

Frequently Asked Questions

What is a business HELOC?

A home equity line of credit used for business purposes. It is secured by a home you own, which is why it can offer larger amounts, longer terms, and lower rates than unsecured business financing.

Will it replace my current mortgage?

No. The line is separate from your first mortgage, so your existing loan and its rate are untouched.

Will checking my options affect my credit?

No. Prequalifying uses a soft credit inquiry. A hard credit pull happens only if you choose to continue with a full application.

What kinds of property qualify?

Single-family homes, townhomes, condominiums, planned unit developments, and two- to four-unit properties. Co-ops, manufactured homes, commercial or mixed-use property, and homes currently listed for sale are not eligible.

How quickly can I get the funds?

Many borrowers are funded in as few as five business days. For a primary residence that includes a three-business-day right to cancel before funds are released.

Is it available in my state?

It is available in most states, with limits in some (for example Texas and New York). Apply and a funding expert will confirm what is available for your property.

Put Your Home Equity to Work

Check your options in minutes with a soft credit inquiry.

Check Your Options

Or call us at (877) 205-4545

Business HELOCs are secured by your home and are for business purposes only. All lines are subject to credit approval, property valuation, and income verification. Not available in all states. LendSeek is not the lender.

Do you have a business bank account?

Select the option that best describes you.

JD