Business HELOC
Use the equity in eligible real estate to access long-term business capital.
Own real estate? Your equity could give your business access to more capital, with longer terms and monthly payments.
- Amount
- Up to $750,000
- Terms
- Up to 30 years
- Funding
- As fast as 5 days
- Leverage
- Up to 80% CLTV*
- Payments
- Monthly
For qualifying business owners. Available options depend on the property and your overall financial profile. *CLTV counts everything owed on the property, including the new line.
Which one fits.
You don't have to pick. Tell us the situation and we'll show you what fits, side by side.
- Fast working capitalRevenue-Based Funding
A lump sum sized on your revenue, funded as fast as 24–48 hours.
Revenue-Based Funding → - Flexible, revolvingBusiness Line of Credit
Draw what you need, repay, draw again. Monthly repayment may be available, depending on the facility.
Business Line of Credit → - Larger, longer-termBusiness HELOC
Larger amounts, up to $750,000, with terms up to 30 years for owners with real estate equity.
You're here
Capital for the business. Backed by equity you already own.
Every dollar here goes into the business: the same big moves our other funding covers, with a monthly payment behind it.
- Working capital
Cover the gap while bigger jobs pay out.
- Inventory
Buy deeper, buy earlier, buy at a better price.
- Equipment
The machine or vehicles that add capacity.
- Expansion or a new location
Build out the next shop, store or office.
- Large projects
Take on the contract that needs money up front.
- Business acquisitions
Buy out a partner, a competitor or a book of business.
- Refinancing business debt
Pay off existing business obligations with one longer-term line.
- Hiring and growth
Add the people before the revenue shows up.
Traditional business financing isn't the only source of capital you have.Your property may be another.
If you own real estate with available equity, it may give you another way to finance a major business move.
- 1How much capital could the business use?
- 2What are you trying to accomplish?
- 3Does a monthly-payment structure make more sense?
- 4How much equity is available?
We look at the whole situation. A Business HELOC is one more option we know how to evaluate, next to the business-only ones.
See What Fits →Business capital backed by your real estate equity.
A Business HELOC is secured by eligible real estate. That can open up larger amounts and longer terms for qualified business owners, and it also means the property is collateral.
- Monthly payments.A predictable payment the business can plan around.
- Side by side with your other options.If a business-only option fits better, we'll tell you.
What we look at.
Plain English. Six things that shape what's possible with a Business HELOC.
- Estimated equityValue minus what's owed
How much value is in the property compared with what's still owed.
- Property valueStarting point
Helps determine how much equity may be accessible.
- Mortgage balanceExisting liens
What you still owe, and any other liens, matter.
- CreditPart of it
Part of the overall picture, not the whole thing.
- IncomeSupports the payment
Helps determine whether the monthly payment is supportable.
- Existing obligationsAll of them
Personal debts and monthly payments matter too.
How it works
A few basics first. One advisor from there.
- 1Tell us about the business and propertyA few basics so we understand what you're trying to accomplish and the equity you may have available.
- 2See what may fitWe look at the business need and whether a Business HELOC gives you another viable structure.
- 3Move forward with the right structureIf a Business HELOC fits, your advisor walks you through the next steps.
You don't have to pick a product. That's our job. Tell us the situation and we'll show you what fits.
What is a Business HELOC?+
A home equity line of credit a business owner uses to put capital into the business. It's secured by eligible real estate you own and paid back monthly.
How much can I get?+
Up to $750,000. The amount depends on the property's value, what you already owe on it and your overall financial profile. Everything owed on the property, including the new line, can be up to 80% of its value.
How are payments made?+
Monthly, with terms up to 30 years.
How fast can it fund?+
As fast as 5 days. Timing depends on the property and how quickly the documents come in.
What can I use the money for?+
Business purposes such as working capital, inventory, equipment, expansion, acquisitions, projects or refinancing business obligations.
Is my property collateral?+
Yes. A Business HELOC is secured by the property.
Own real estate? See what your equity could do for the business.
A few quick questions about the business and the property. Checking takes a minute.
Business HELOC financing is provided through our lending partners; UpCrunch is not the lender. Up to $750,000, terms up to 30 years, funding as fast as 5 days and up to 80% combined loan-to-value (CLTV) are maximums, not guarantees. Approval, amount, rate, terms and timing depend on the property, credit, income, existing liens and lender requirements. The line is secured by the property. For business purposes only. Not available in all states.