Business funding · Business-Use Home Equity Line of Credit
Business capital drawn against equity you already hold.
A home equity line converts equity in a property you own into revolving capital for the business. The property secures it, which is what buys the ten to thirty year term, and what makes this the most consequential product on this page rather than the cheapest.
Funding partners in our network
- Loanable
- PFG
- Funding Vault
- 7 Figures
We introduce applicants to these partners. They make every credit decision. See the full directory.
Lender guidelines
What partners publish for this product
- Amount
- $25,000 to $750,000
- Term
- 10 to 30 years
- Typical credit
- Quoted per file
- Time in business
- Not applicable, the equity qualifies the line
- Revenue
- Quoted per file
- Typical speed
- Weeks, subject to valuation
- Collateral
- Secured by equity in a property you already own, not by what the funds are spent on.
The property secures this line. Falling behind on payments puts it at risk, which is the trade-off for the size and the length of the term.
These are partner lender guidelines, not offers. Approvals, amounts, rates, and terms are determined solely by the funding partner and are not guaranteed. Results vary and depend on credit, income, and lender approval. Not typical results.
Business-Use HELOC
One partner offers this product
7 Figures is the only partner in our network with this desk, so this product links straight through.
- No credit pull to see your matches
- No fee charged to applicants
- You choose the partner, not us
Questions first? Call (209) 541-4065, Mon to Fri, 8:00am to 6:00pm ET.
Why this product
What it does well
Terms of 10 to 30 years
Far longer than the 6 to 12 month draw cycles on an unsecured business line.
Interest on what you draw
Capacity can sit open and unused at no interest cost.
Equity carries the file
The property's equity does the qualifying rather than the business's trading history.
Fit
Best for
- Owners with meaningful equity in a property
- Businesses too new for a lender to underwrite on trading history
- Uses that repay across years rather than months
Uses
Common use cases
- Funding a business with no revenue history to underwrite
- Consolidating shorter, costlier business balances onto a long-term line
- Holding standby capacity for opportunities as they appear
Partners
Who funds this product
This product links straight through, because only one partner in the network offers it.
7 Figures
7 Figures Credit
Funding that starts at $5,000, plus a credit-building program if you are not approval-ready yet.
Business funding from $5,000: 0% credit cards, personal term loans, business lines of credit, short-term loans, SBA, and business-use HELOCs, alongside credit building and credit repair programs.
Opens 7 Figures's own application. They underwrite the file and set every term.
FAQ
Questions about this product
Read this first
- We are not a direct lender or bank. We assist with applications, consulting, and credit strategies.
- Approvals are not guaranteed and are subject to bank or issuer decision.
Submitting your funding request will not impact your personal credit score. If you choose to proceed with an offer, certain funding options may require a hard credit inquiry, which the partner discloses and you authorize before it happens. We do not provide legal, tax, or financial advice. Please consult a licensed professional for personalized guidance. Full disclosures.
See what you qualify for
A few questions, no documents, no credit pull. You get every option your profile matches, not just this one.