Turn the equity in your New York home, second home or rental property into business capital: a business-purpose home equity line of credit from $25,000 to $750,000, often without refinancing your first mortgage.
What you need to qualify for a business-purpose HELOC on New York property.
About 600+ in limited primary-residence cases; 680+ typical for second homes and investment property
$25,000 minimum to $750,000 maximum for qualified applicants
Up to about 85% on a primary residence in 1st lien; about 70–80% on investment property
Primary residence, second / vacation home or investment property
Single-family, townhome, condo, PUD or 2–4 unit residential; up to 20 acres
1st, 2nd or eligible 3rd lien behind your current mortgage
Fixed rate (variable not offered in New York)
Not eligible in New York; title must be in an individual's name
Verified digitally through bank, payroll, asset or tax data; debt-to-income must qualify
Legitimate business purpose only (no personal or consumer use)
The approved line is generally fully drawn at closing and repaid over 10, 15, 20 or 30 years. As you pay down principal, that amount may become available to draw again during the draw period. Where the lien structure allows, the line sits behind your existing first mortgage, so a low-rate loan can stay in place. There is no standard prepayment penalty.
We help property owners across New York, including New York City, Buffalo, Rochester, Syracuse and Albany, plus every other county in the state.
Enter your New York property, its value, current liens and the amount you want.
Income, debts, ownership and your business use of funds.
See the options you qualify for.
Identity, income, title and value verified digitally where possible.
eNotary where permitted; qualifying files may fund in several business days.
Yes. New York properties are currently accepted for business-purpose HELOCs from $25,000 to $750,000, subject to credit, income, property and underwriting approval.
Generally a 600–680+ credit score depending on occupancy, enough equity to stay within the combined LTV limit, verified income with a qualifying debt-to-income ratio, an eligible residential property in New York, and a business purpose for the funds.
Yes. Investment properties and second homes in New York are eligible, typically with a 680+ credit score and a lower combined LTV (about 70–80%) than a primary residence.
The minimum line in New York is $25,000 and the maximum is $750,000 for qualified applicants.
No. Where the lien structure allows, the HELOC sits behind your existing first mortgage, so you can keep a low-rate loan in place.
Identity, income, title and value are verified digitally where possible, and qualifying files may fund in as few as several business days.
No. Only fixed-rate lines are offered in New York.
No. LLC-owned property is not eligible in New York.
HELOC available — tap your state Not available: try our business-purpose 2nd mortgage, offered in all 50 states
The Business-Purpose HELOC is offered through a third-party lending partner. Win-Win Capital Funding, LLC is an independent referral partner and may be compensated for applications submitted through this site. Win-Win does not make credit decisions. All loans are subject to credit approval, verified income, debt-to-income requirements, collateral review, title, valuation, state availability and other underwriting requirements, and terms may change without notice. Business-purpose use is required. A hard credit inquiry may be required. Borrowing against real estate places the property at risk if payments are not made.
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