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<link href="https://fonts.googleapis.com/css2?family=DM+Serif+Display&family=DM+Sans:wght@400;500;600&display=swap" rel="stylesheet">
<style>
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#cf-heloc-wrap a{text-decoration:none;}
.cf-btn-p{display:inline-block;background:#00AEEF;color:#111D33!important;font-family:'DM Sans',sans-serif;font-size:15px;font-weight:600;padding:15px 34px;border-radius:6px;text-decoration:none!important;border:none;cursor:pointer;letter-spacing:.01em;transition:background .2s,transform .15s;}
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<!-- ══ HERO ══ -->
<div style="background:#111D33;padding:88px 24px 96px;text-align:center;position:relative;overflow:hidden;">
<div style="position:absolute;top:-100px;right:-140px;width:480px;height:480px;border-radius:50%;background:radial-gradient(circle,rgba(0,174,239,.12) 0%,transparent 70%);pointer-events:none;"></div>
<div style="position:absolute;bottom:-80px;left:-100px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(0,174,239,.07) 0%,transparent 70%);pointer-events:none;"></div>
<div style="max-width:1060px;margin:0 auto;position:relative;">
<div style="display:inline-block;background:rgba(0,174,239,.15);color:#00CFFF;font-size:12px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;padding:6px 18px;border-radius:100px;border:1px solid rgba(0,174,239,.25);margin-bottom:22px;">Home Equity Line of Credit</div>
<h1 style="font-family:'DM Serif Display',Georgia,serif;font-size:clamp(34px,5vw,56px);color:#fff;line-height:1.1;max-width:800px;margin:0 auto 20px;">Unlock Your Home Equity to <span style="color:#00AEEF;">Fund Your Business</span></h1>
<p style="font-size:18px;color:rgba(255,255,255,.65);max-width:560px;margin:0 auto 38px;line-height:1.65;">Access flexible, revolving capital backed by your property — with competitive rates and lines up to $750,000.</p>
<div style="margin-bottom:38px;">
<span class="cf-stat-pill">Starting at <strong> 7.5% APR</strong></span>
<span class="cf-stat-pill">Lines up to <strong> $750,000</strong></span>
<span class="cf-stat-pill">Draw only what you need</span>
<span class="cf-stat-pill">No fee to apply</span>
</div>
<a href="https://capfront.net/smart-apply/?utm_source=Website&utm_medium=heloc" class="cf-btn-p">Apply Now</a>
<a href="#cf-how-it-works" class="cf-btn-o">See How It Works</a>
</div>
</div>
<!-- ══ TRUST BAR ══ -->
<div style="background:#1C2B4A;padding:18px 24px;display:flex;justify-content:center;gap:36px;flex-wrap:wrap;">
<div class="cf-trust-item"><svg viewBox="0 0 24 24"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"/></svg>Soft pull — no credit impact</div>
<div class="cf-trust-item"><svg viewBox="0 0 24 24"><circle cx="12" cy="12" r="10"/><polyline points="12 6 12 12 16 14"/></svg>Fast approvals</div>
<div class="cf-trust-item"><svg viewBox="0 0 24 24"><line x1="12" y1="1" x2="12" y2="23"/><path d="M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"/></svg>Rates from 7.5% APR</div>
<div class="cf-trust-item"><svg viewBox="0 0 24 24"><path d="M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2"/><circle cx="9" cy="7" r="4"/><path d="M23 21v-2a4 4 0 0 0-3-3.87"/><path d="M16 3.13a4 4 0 0 1 0 7.75"/></svg>Dedicated advisor included</div>
</div>
<!-- ══ WHAT IS A HELOC ══ -->
<div style="padding:80px 24px;background:#fff;">
<div style="max-width:1060px;margin:0 auto;">
<div class="cf-two-col" style="display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;">
<div>
<div style="font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:#0090CC;margin-bottom:10px;">What is a HELOC?</div>
<h2 style="font-family:'DM Serif Display',Georgia,serif;font-size:clamp(26px,3vw,38px);color:#1C2B4A;line-height:1.2;margin-bottom:16px;">A revolving credit line backed by your home</h2>
<p style="font-size:16px;color:#5A6A85;margin-bottom:16px;line-height:1.75;">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.</p>
<p style="font-size:16px;color:#5A6A85;margin-bottom:16px;line-height:1.75;">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.</p>
<p style="font-size:16px;color:#5A6A85;margin-bottom:24px;line-height:1.75;">CapFront shops your profile across our lender network so you get the most competitive offer, not just the first one available.</p>
<a href="https://capfront.net/smart-apply/?utm_source=Website&utm_medium=heloc" class="cf-btn-p">Check My Eligibility</a>
</div>
<div style="background:linear-gradient(145deg,#2C3E6B 0%,#111D33 100%);border-radius:14px;padding:36px 32px;color:#fff;border:1px solid rgba(0,174,239,.2);position:relative;overflow:hidden;">
<div style="position:absolute;top:-60px;right:-60px;width:200px;height:200px;border-radius:50%;background:radial-gradient(circle,rgba(0,174,239,.15) 0%,transparent 70%);pointer-events:none;"></div>
<div style="font-size:11px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:#00AEEF;margin-bottom:24px;">HELOC at a Glance</div>
<div style="font-family:'DM Serif Display',Georgia,serif;font-size:52px;color:#fff;line-height:1;margin-bottom:4px;"><span style="font-size:20px;vertical-align:super;">From </span>7.5%</div>
<div style="font-size:13px;color:rgba(255,255,255,.45);margin-bottom:28px;">APR — actual rate varies by credit profile & equity position</div>
<hr class="cf-divider">
<div class="cf-mini-row"><span style="font-size:13px;color:rgba(255,255,255,.5);">Maximum Line Amount</span><span style="font-size:13px;font-weight:600;">$750,000</span></div>
<div class="cf-mini-row"><span style="font-size:13px;color:rgba(255,255,255,.5);">Product Type</span><span style="font-size:13px;font-weight:600;">Revolving Credit Line</span></div>
<div class="cf-mini-row"><span style="font-size:13px;color:rgba(255,255,255,.5);">Collateral</span><span style="font-size:13px;font-weight:600;">Residential or Commercial</span></div>
<div class="cf-mini-row"><span style="font-size:13px;color:rgba(255,255,255,.5);">Draw Period Payments</span><span style="font-size:13px;font-weight:600;">Interest-Only</span></div>
<div class="cf-mini-row"><span style="font-size:13px;color:rgba(255,255,255,.5);">Use of Funds</span><span style="font-size:13px;font-weight:600;">Flexible Business Use</span></div>
<hr class="cf-divider">
<a href="https://capfront.net/smart-apply/?utm_source=Website&utm_medium=heloc" class="cf-btn-p" style="width:100%;text-align:center;display:block;padding:13px;">Apply Now — It's Free</a>
</div>
</div>
</div>
</div>
<!-- ══ FEATURES ══ -->
<div style="padding:80px 24px;background:#F4F7FB;">
<div style="max-width:1060px;margin:0 auto;">
<div style="font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:#0090CC;margin-bottom:10px;">Why a HELOC</div>
<h2 style="font-family:'DM Serif Display',Georgia,serif;font-size:clamp(26px,3vw,38px);color:#1C2B4A;line-height:1.2;margin-bottom:14px;">Built for business owners who own property</h2>
<p style="font-size:17px;color:#5A6A85;max-width:560px;margin-bottom:48px;line-height:1.7;">A HELOC through CapFront gives you the flexibility of a credit line with the rate advantage of a secured loan.</p>
<div style="display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;">
<!-- Row 1 -->
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><path d="M12 2L2 7l10 5 10-5-10-5z"/><polyline points="2 17 12 22 22 17"/><polyline points="2 12 12 17 22 12"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Flexible Draw Schedule</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Borrow only what you need during the draw period. Repay and redraw as your cash flow demands shift.</p>
</div>
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><circle cx="12" cy="12" r="10"/><polyline points="12 6 12 12 16 14"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Interest-Only Payments</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">During the draw period, only pay interest on what you've actually borrowed — not the full line amount.</p>
</div>
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><line x1="12" y1="1" x2="12" y2="23"/><path d="M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Competitive Rates</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Secured against your equity, HELOCs carry significantly lower rates than unsecured loans or MCAs.</p>
</div>
<!-- Row 2 -->
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"/><polyline points="9 22 9 12 15 12 15 22"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Use Your Existing Equity</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Put the equity you've already built to work without selling or refinancing your first mortgage.</p>
</div>
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><path d="M22 11.08V12a10 10 0 1 1-5.93-9.14"/><polyline points="22 4 12 14.01 9 11.01"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Multiple Use Cases</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Inventory, payroll, equipment, expansion, renovations — HELOC funds work across virtually any business purpose.</p>
</div>
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><path d="M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2"/><circle cx="9" cy="7" r="4"/><path d="M23 21v-2a4 4 0 0 0-3-3.87"/><path d="M16 3.13a4 4 0 0 1 0 7.75"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Marketplace Advantage</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">CapFront compares multiple lenders on your behalf so you get the most competitive offer available.</p>
</div>
<!-- Row 3 — new cards -->
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><polyline points="9 11 12 14 22 4"/><path d="M21 12v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h11"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">No Prepayment Penalties</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Pay down your balance early without fees. As your business generates cash, reduce your line and save on interest.</p>
</div>
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><rect x="2" y="3" width="20" height="14" rx="2"/><line x1="8" y1="21" x2="16" y2="21"/><line x1="12" y1="17" x2="12" y2="21"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Works Alongside Your Mortgage</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">A HELOC is a second lien — it doesn't touch your existing mortgage rate or reset your loan terms.</p>
</div>
<div class="cf-feat-card">
<div style="width:44px;height:44px;background:rgba(0,174,239,.1);border-radius:8px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;"><svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="#0090CC" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><path d="M21 15a2 2 0 0 1-2 2H7l-4 4V5a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2z"/></svg></div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Dedicated CapFront Advisor</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Every application is reviewed by a real advisor who guides you through options, documentation, and lender selection.</p>
</div>
</div>
</div>
</div>
<!-- ══ HOW IT WORKS ══ -->
<div id="cf-how-it-works" style="padding:80px 24px;background:#fff;">
<div style="max-width:1060px;margin:0 auto;">
<div style="font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:#0090CC;margin-bottom:10px;">The Process</div>
<h2 style="font-family:'DM Serif Display',Georgia,serif;font-size:clamp(26px,3vw,38px);color:#1C2B4A;line-height:1.2;margin-bottom:14px;">From application to funding in four steps</h2>
<p style="font-size:17px;color:#5A6A85;max-width:560px;margin-bottom:48px;line-height:1.7;">CapFront simplifies the HELOC process, acting as your guide from initial application through close.</p>
<div style="border:1px solid #DDE4EF;border-radius:12px;overflow:hidden;background:#fff;">
<div class="cf-steps-wrap" style="display:grid;grid-template-columns:repeat(4,1fr);">
<div class="cf-step">
<div style="font-family:'DM Serif Display',Georgia,serif;font-size:40px;color:rgba(0,174,239,.2);line-height:1;margin-bottom:12px;">01</div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Apply Online</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Complete a short application in minutes. No impact to your credit score at this stage.</p>
</div>
<div class="cf-step">
<div style="font-family:'DM Serif Display',Georgia,serif;font-size:40px;color:rgba(0,174,239,.2);line-height:1;margin-bottom:12px;">02</div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Review Your Options</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">We match you with HELOC lenders that fit your equity, credit profile, and business needs.</p>
</div>
<div class="cf-step">
<div style="font-family:'DM Serif Display',Georgia,serif;font-size:40px;color:rgba(0,174,239,.2);line-height:1;margin-bottom:12px;">03</div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Submit Documentation</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Provide standard property and income docs. Your CapFront advisor guides you through every item.</p>
</div>
<div class="cf-step">
<div style="font-family:'DM Serif Display',Georgia,serif;font-size:40px;color:rgba(0,174,239,.2);line-height:1;margin-bottom:12px;">04</div>
<h3 style="font-size:15px;font-weight:600;color:#1C2B4A;margin-bottom:8px;">Close & Draw Funds</h3>
<p style="font-size:14px;color:#5A6A85;line-height:1.65;">Once approved, your line is open. Draw on-demand as your business needs arise.</p>
</div>
</div>
</div>
<div style="text-align:center;margin-top:36px;">
<a href="https://capfront.net/smart-apply/?utm_source=Website&utm_medium=heloc" class="cf-btn-p">Start Your Application</a>
</div>
</div>
</div>
<!-- ══ ELIGIBILITY ══ -->
<div style="padding:80px 24px;background:#F4F7FB;">
<div style="max-width:1060px;margin:0 auto;">
<div style="font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:#0090CC;margin-bottom:10px;">Qualification Guidelines</div>
<h2 style="font-family:'DM Serif Display',Georgia,serif;font-size:clamp(26px,3vw,38px);color:#1C2B4A;line-height:1.2;margin-bottom:14px;">Do you qualify for a business HELOC?</h2>
<p style="font-size:17px;color:#5A6A85;max-width:560px;margin-bottom:40px;line-height:1.7;">Most business owners who own residential or commercial property can qualify. Here's what lenders typically look for.</p>
<div class="cf-elig-grid" style="display:grid;grid-template-columns:1fr 1fr;gap:16px;">
<div class="cf-elig-item"><div class="cf-check"><svg viewBox="0 0 24 24"><polyline points="20 6 9 17 4 12"/></svg></div><p style="font-size:14px;color:#1C2B4A;line-height:1.55;"><strong>Home or property ownership</strong> — Residential or commercial real estate with sufficient equity to secure the line.</p></div>
<div class="cf-elig-item"><div class="cf-check"><svg viewBox="0 0 24 24"><polyline points="20 6 9 17 4 12"/></svg></div><p style="font-size:14px;color:#1C2B4A;line-height:1.55;"><strong>Minimum credit score 620+</strong> — Most HELOC lenders require a minimum personal credit score. Higher scores unlock better rates.</p></div>
<div class="cf-elig-item"><div class="cf-check"><svg viewBox="0 0 24 24"><polyline points="20 6 9 17 4 12"/></svg></div><p style="font-size:14px;color:#1C2B4A;line-height:1.55;"><strong>Business operating history</strong> — Lenders typically prefer businesses with at least 12 months of operating history.</p></div>
<div class="cf-elig-item"><div class="cf-check"><svg viewBox="0 0 24 24"><polyline points="20 6 9 17 4 12"/></svg></div><p style="font-size:14px;color:#1C2B4A;line-height:1.55;"><strong>Sufficient home equity (LTV)</strong> — Most lenders require you to retain at least 15–20% equity after closing.</p></div>
<div class="cf-elig-item"><div class="cf-check"><svg viewBox="0 0 24 24"><polyline points="20 6 9 17 4 12"/></svg></div><p style="font-size:14px;color:#1C2B4A;line-height:1.55;"><strong>Verifiable income or revenue</strong> — Tax returns, bank statements, or P&Ls may be required depending on the lender.</p></div>
<div class="cf-elig-item"><div class="cf-check"><svg viewBox="0 0 24 24"><polyline points="20 6 9 17 4 12"/></svg></div><p style="font-size:14px;color:#1C2B4A;line-height:1.55;"><strong>Debt-to-income within range</strong> — Most lenders look for a combined DTI below 43–50% including the proposed line.</p></div>
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<p style="font-size:15px;color:#1C2B4A;">Not sure if you qualify? <strong>Apply in minutes</strong> — our advisors review every application personally and will identify the best path forward, even if a HELOC isn't the right fit right now.</p>
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<div style="font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:#0090CC;display:inline-block;margin-bottom:10px;">Common Questions</div>
<h2 style="font-family:'DM Serif Display',Georgia,serif;font-size:clamp(26px,3vw,38px);color:#1C2B4A;line-height:1.2;">HELOC FAQ</h2>
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<div class="cf-faq-item"><button class="cf-faq-btn">What's the difference between a HELOC and a home equity loan?<svg viewBox="0 0 24 24"><line x1="12" y1="5" x2="12" y2="19"/><line x1="5" y1="12" x2="19" y2="12"/></svg></button><div class="cf-faq-body">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.</div></div>
<div class="cf-faq-item"><button class="cf-faq-btn">Can I use a HELOC for business expenses?<svg viewBox="0 0 24 24"><line x1="12" y1="5" x2="12" y2="19"/><line x1="5" y1="12" x2="19" y2="12"/></svg></button><div class="cf-faq-body">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.</div></div>
<div class="cf-faq-item"><button class="cf-faq-btn">How much can I borrow through CapFront?<svg viewBox="0 0 24 24"><line x1="12" y1="5" x2="12" y2="19"/><line x1="5" y1="12" x2="19" y2="12"/></svg></button><div class="cf-faq-body">CapFront facilitates HELOC lines up to $750,000. Your actual amount depends on available equity, credit profile, income, and the specific lender's guidelines.</div></div>
<div class="cf-faq-item"><button class="cf-faq-btn">Will applying hurt my credit score?<svg viewBox="0 0 24 24"><line x1="12" y1="5" x2="12" y2="19"/><line x1="5" y1="12" x2="19" y2="12"/></svg></button><div class="cf-faq-body">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.</div></div>
<div class="cf-faq-item"><button class="cf-faq-btn">How long does the HELOC process take?<svg viewBox="0 0 24 24"><line x1="12" y1="5" x2="12" y2="19"/><line x1="5" y1="12" x2="19" y2="12"/></svg></button><div class="cf-faq-body">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.</div></div>
<div class="cf-faq-item"><button class="cf-faq-btn">Is CapFront a lender?<svg viewBox="0 0 24 24"><line x1="12" y1="5" x2="12" y2="19"/><line x1="5" y1="12" x2="19" y2="12"/></svg></button><div class="cf-faq-body">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.</div></div>
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<h2 style="font-family:'DM Serif Display',Georgia,serif;font-size:clamp(26px,4vw,42px);color:#fff;margin-bottom:14px;">Ready to put your equity to work?</h2>
<p style="font-size:17px;color:rgba(255,255,255,.6);margin-bottom:36px;">Apply in minutes. No fees. No obligation. A CapFront advisor reviews every application personally.</p>
<a href="https://capfront.net/smart-apply/?utm_source=Website&utm_medium=heloc" class="cf-btn-p">Apply Now — It's Free</a>
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<p style="font-size:11.5px;color:#5A6A85;line-height:1.7;max-width:900px;margin:0 auto;"><strong>Important Disclosures:</strong> 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.</p>
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