HELOC LOANS FOR SMALL BUSINESS

Home Equity Line of Credit

Unlock Your Home Equity to Fund Your Business

Access flexible, revolving capital backed by your property — with competitive rates and lines up to $750,000.

Starting at  7.5% APR Lines up to  $750,000 Draw only what you need No fee to apply
Apply Now See How It Works
Soft pull — no credit impact
Fast approvals
Rates from 7.5% APR
Dedicated advisor included
What is a HELOC?

A revolving credit line backed by your home

A Home Equity Line of Credit (HELOC) lets you borrow against the equity you’ve built in your property — giving your business a flexible, revolving source of capital you can draw from and repay as your needs change.

Unlike a term loan where you receive a fixed lump sum, a HELOC works like a credit line: draw what you need, when you need it, and only pay interest on what you use. It’s one of the most cost-effective financing tools available to business owners who own real estate.

CapFront shops your profile across our lender network so you get the most competitive offer, not just the first one available.

Check My Eligibility
HELOC at a Glance
From 7.5%
APR — actual rate varies by credit profile & equity position
Maximum Line Amount$750,000
Product TypeRevolving Credit Line
CollateralResidential or Commercial
Draw Period PaymentsInterest-Only
Use of FundsFlexible Business Use
Apply Now — It’s Free
Why a HELOC

Built for business owners who own property

A HELOC through CapFront gives you the flexibility of a credit line with the rate advantage of a secured loan.

Flexible Draw Schedule

Borrow only what you need during the draw period. Repay and redraw as your cash flow demands shift.

Interest-Only Payments

During the draw period, only pay interest on what you’ve actually borrowed — not the full line amount.

Competitive Rates

Secured against your equity, HELOCs carry significantly lower rates than unsecured loans or MCAs.

Use Your Existing Equity

Put the equity you’ve already built to work without selling or refinancing your first mortgage.

Multiple Use Cases

Inventory, payroll, equipment, expansion, renovations — HELOC funds work across virtually any business purpose.

Marketplace Advantage

CapFront compares multiple lenders on your behalf so you get the most competitive offer available.

No Prepayment Penalties

Pay down your balance early without fees. As your business generates cash, reduce your line and save on interest.

Works Alongside Your Mortgage

A HELOC is a second lien — it doesn’t touch your existing mortgage rate or reset your loan terms.

Dedicated CapFront Advisor

Every application is reviewed by a real advisor who guides you through options, documentation, and lender selection.

The Process

From application to funding in four steps

CapFront simplifies the HELOC process, acting as your guide from initial application through close.

01

Apply Online

Complete a short application in minutes. No impact to your credit score at this stage.

02

Review Your Options

We match you with HELOC lenders that fit your equity, credit profile, and business needs.

03

Submit Documentation

Provide standard property and income docs. Your CapFront advisor guides you through every item.

04

Close & Draw Funds

Once approved, your line is open. Draw on-demand as your business needs arise.

Qualification Guidelines

Do you qualify for a business HELOC?

Most business owners who own residential or commercial property can qualify. Here’s what lenders typically look for.

Home or property ownership — Residential or commercial real estate with sufficient equity to secure the line.

Minimum credit score 620+ — Most HELOC lenders require a minimum personal credit score. Higher scores unlock better rates.

Business operating history — Lenders typically prefer businesses with at least 12 months of operating history.

Sufficient home equity (LTV) — Most lenders require you to retain at least 15–20% equity after closing.

Verifiable income or revenue — Tax returns, bank statements, or P&Ls may be required depending on the lender.

Debt-to-income within range — Most lenders look for a combined DTI below 43–50% including the proposed line.

Not sure if you qualify? Apply in minutes — our advisors review every application personally and will identify the best path forward, even if a HELOC isn’t the right fit right now.

Common Questions

HELOC FAQ

A home equity loan gives you a lump sum with a fixed repayment schedule. A HELOC is a revolving credit line — draw funds as needed and only pay interest on what you borrow. For business owners with variable cash flow needs, a HELOC generally offers more flexibility.
Yes. While a HELOC is secured by your property, the funds can be used for business purposes — including inventory, payroll, equipment, marketing, renovations, or working capital. Consult your tax advisor regarding interest deductibility.
CapFront facilitates HELOC lines up to $750,000. Your actual amount depends on available equity, credit profile, income, and the specific lender’s guidelines.
The initial CapFront application uses a soft credit pull, which does not impact your score. A hard inquiry only occurs once you formally proceed with a lender offer — at which point you’ll already know your terms.
Most HELOC applications through CapFront close within 2–6 weeks from completed application. Having your documentation ready (tax returns, mortgage statement, ID) accelerates the process.
No. CapFront is a small business financing marketplace. We connect business owners with a curated network of lenders and match you with the most competitive offer for your profile. There is no fee to apply.

Ready to put your equity to work?

Apply in minutes. No fees. No obligation. A CapFront advisor reviews every application personally.

Apply Now — It’s Free

Important Disclosures: CapFront is a financing marketplace, not a lender. All financing is subject to lender approval and underwriting. Rates, terms, and availability vary based on applicant creditworthiness, equity position, property type, and lender guidelines. The advertised rate of 7.5% APR represents the lowest available rate and is not guaranteed. Actual APR may be higher. Home equity lines of credit are secured loans — failure to repay may result in the loss of your property. This is not a commitment to lend. CapFront does not provide tax or legal advice; consult a qualified advisor regarding the deductibility of interest on a business HELOC. CapFront Financial, LLC. Melville, NY.