A standalone second mortgage for business owners. Keep your first mortgage and its rate, pull cash from your owner-occupied home or investment property, and put it to work in your business. No tax returns, no ratios, no reserves and no prepayment penalty.
This is a business loan secured by a standalone 2nd trust deed on your home or investment property. Because the money goes into your business, the lender qualifies the deal on equity and credit, not on your income. At least 51% of the loan amount is wired straight to your business checking account at closing. You pay interest only for 24 months, with no prepayment penalty, so you can pay it off as soon as the business returns the capital. For many owners, access to capital matters more than its cost: the return on putting money into inventory, equipment, payroll, a new location or a large contract can far outweigh the interest.
Quotes are issued after your deal details are reviewed. Complete this short application and we'll match it with the 2nd-mortgage lenders that fund your state and property type, then send you your options.
Tap your state for local requirements, an example and FAQs.
Available in all 50 states. Tap your state for local requirements and to apply.
No. This is a no-ratio business-purpose loan: no tax returns, pay stubs or income documents are required, and no income is verified.
Yes. Owner-occupied homes are eligible because the loan is a business-purpose loan. At least 51% of the loan amount must be wired to your business bank account. Investment properties are also eligible.
Your existing first mortgage plus the new 2nd can be up to 65% of the property value (CLTV). The 2nd must also be at least 35% of the size of your first mortgage balance. The calculator on this page applies both rules.
No. This is a standalone 2nd trust deed, so your existing first mortgage and its rate stay in place.
A viable operating business with a business checking account in the business name (not your personal name). At least 51% of the loan proceeds are wired to that account at closing.
A handwritten letter, signed by the borrowers, explaining how the capital will help the business grow. Typed letters are not accepted.
No. There is no prepayment penalty, and no reserves are required.
24 months, fixed rate, interest-only, so the monthly payment is interest only and the balance is repaid at maturity, by sale or by refinance.
All 50 states, subject to title, escrow and underwriting. Some states carry pricing adjustments, which are reflected in your final quote.
Most will. If yours will not, we can point you to a title or escrow company that routinely does.
Win-Win Capital Funding, LLC arranges this financing through a lending partner and is compensated for loans it arranges. This is a business-purpose loan only; proceeds may not be used primarily for personal, family or household purposes. All loans are subject to credit approval, property valuation, title, state availability and underwriting, and program terms may change without notice. Borrowing against real estate places the property at risk if payments are not made.
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