01
Use equity without replacing the first mortgage
Access capital against available equity in an eligible primary residence, second home, or investment property while keeping the existing first mortgage in place.
Equity capital without replacing your first mortgage
Business HELOC & Property-Equity Financing
A Business HELOC or property-equity structure can turn available equity in a primary residence, second home, or eligible investment property into business capital—without replacing an existing first mortgage.
The structure in plain English
Put existing property equity behind the business goal.
Depending on property, equity, credit, income, and program fit, available capital may range from $50,000 to $750,000 or more. Longer repayment options can give qualified borrowers more room to use the capital thoughtfully.
In many cases, no appraisal is required. A soft or initial prequalification may be available where applicable, helping you get an early view of fit before a full financing review. Qualified borrowers may be able to fund quickly once approved.
What it can support
Put the capital to work where it matters.
02
A meaningful range of capital
Programs may offer approximately $50,000 to $750,000+ depending on property, equity, credit, income, and program fit.
03
Designed for a faster first look
No appraisal may be needed in many cases, and a soft or initial prequalification may be available where applicable. Qualified borrowers may be able to move quickly.
Common uses
Useful for the next decision, not just the next invoice.
- 01Working capital and operating liquidity
- 02Business expansion and new locations
- 03Equipment and vehicle purchases
- 04Inventory and supplier payments
- 05Business acquisitions
- 06Replacing or consolidating expensive debt
A useful first screen
Which properties may be considered?
A primary residence, second home, or eligible investment property may be considered, subject to property type, available equity, ownership, occupancy, credit, income, and program guidelines. All financing is subject to approval; the initial review is designed to clarify the next question, not promise an outcome.
A straightforward process
How we help you move forward.
01
Start with the property
Share the property type, ownership, approximate value, mortgage balance, and occupancy.
02
Clarify the business need
Tell us what the capital will fund, how much you need, and when the decision matters.
03
Review available equity
Look at the property, borrower, business, and program considerations together.
04
Compare the structure
Understand access, repayment options, timing, and the costs that apply.
05
Move when ready
Continue with a clearer financing brief and a route that fits the goal.
Your next business move