A true standalone home equity line of credit secured by eligible residential real estate, for legitimate business purposes. Potentially access your equity without refinancing the first mortgage you already have.
If you have a low-rate first mortgage and real equity, you don't have to refinance to reach it. When the lien structure allows, the HELOC sits behind your existing mortgage. The approved amount is generally fully funded at closing, and principal you pay down may become available to draw again.
These are general guidelines. Your actual amount and terms are set by the application and underwriting.
| Scenario | General guideline |
|---|---|
| Owner-occupied, 1st lien | Up to about 85% CLTV in eligible stronger-credit scenarios |
| Owner-occupied, 2nd lien | Scales with credit; many standard tiers around 75–80% CLTV |
| Owner-occupied, 3rd lien | Limited scenarios, about 70% CLTV and smaller line amounts |
| Investment property, 1st lien | Generally up to about 80% CLTV |
| Investment property, 2nd lien | Generally about 70% CLTV maximum |
Estimated CLTV = (existing liens + requested HELOC) ÷ property value. Example: a $600,000 home with a $300,000 mortgage and a $150,000 HELOC is at 75% CLTV.
Tap your state to see its requirements and apply. Not in a HELOC state? Our business-purpose 2nd mortgage is available in all 50 states.
HELOC available — tap your state Not available: try our business-purpose 2nd mortgage, offered in all 50 states
Availability is based on where the property is located and can change. Call us if your state is not listed.
Enter the property, its value, current liens and the amount you want.
Income, debts, ownership and how you'll use the funds for business.
See the options you qualify for. Credit is reviewed as part of underwriting.
Identity, income, title and value are verified digitally where possible.
eNotary where permitted. Qualifying files may fund in as few as several business days.
Have ready: property address and value, current mortgage balances, amount needed, approximate credit score, income source and your business use of funds.
Apply Now →Yes. It is a standalone line of credit secured by eligible residential real estate. The approved amount is generally fully drawn at closing, and principal you repay may become available to draw again during the draw period.
Not necessarily. Where the lien structure allows, the HELOC can sit behind your existing first mortgage, so you can keep a low-rate first loan in place.
Potentially, yes, as long as the money is used for a legitimate business purpose and the property and borrower meet program requirements.
Potentially, yes. Eligible non-owner-occupied properties can qualify, generally with 680+ credit and more conservative loan-to-value limits.
$750,000 is the program maximum for qualifying applicants, not a guaranteed amount. Requests above $400,000 get additional review and require a full appraisal.
Yes. Credit is part of underwriting. The initial eligibility step may use a soft inquiry, with a hard inquiry later if you move forward.
Yes. This is not a no-income-verification or DSCR loan. Income can be verified digitally through linked bank, asset or payroll accounts or tax information, and the amount is based on your debt-to-income ratio.
No. It reports as a revolving line on your personal credit, even though the funds are used for business.
Not always. An automated valuation may be used; some files need a desktop evaluation, and loans over $400,000 require a full appraisal.
Yes. Current program guidance has no standard prepayment penalty.
Your rate depends on credit, combined loan-to-value, amount, term, property, occupancy, lien position, state and market conditions. Complete the application to see your actual offer.
Qualifying files may fund in as few as several business days. Timing depends on state, title, valuation and underwriting, and is not guaranteed.
Yes, with one application per property. Each property is reviewed separately for value, liens, occupancy and eligibility.
Apply online in minutes, or talk it through with Michael Gaukroger · Private Banker & Structured Finance Capital Advisory.
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 page. Win-Win Capital Funding 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. Program terms, rates, fees, CLTV, lien positions and eligibility may change without notice. Business-purpose use is required. Submitting an application is not a loan approval or commitment to lend. 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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