Business Purpose HELOC · $25K – $750K · Funded ~5 days

Your home equity can replace every expensive dollar your business is borrowing.

Access $25K to $750K at a fraction of what MCAs, credit cards, and traditional lenders charge. No refinance. Your mortgage rate stays locked.

See what you qualify for →

✓Soft credit check  ·  No impact to score  ·  ~2 minutes

No refinance required✦Mortgage rate stays locked✦$0 out-of-pocket✦Soft pull to prequalify✦10–30 year terms✦No prepayment penalties✦eNotary closing 7 days a week✦No refinance required✦Mortgage rate stays locked✦$0 out-of-pocket✦Soft pull to prequalify✦10–30 year terms✦No prepayment penalties✦eNotary closing 7 days a week✦
See what you qualify for →

✓Soft credit check  ·  No impact to score  ·  ~2 minutes

$750K
Maximum loan
10–30 year terms
5 days
Application
to funded
$0
Out-of-pocket
cost to close
No refinance required✦Mortgage rate stays locked✦$0 out-of-pocket✦Soft pull to prequalify✦10–30 year terms✦No prepayment penalties✦eNotary closing 7 days a week✦No refinance required✦Mortgage rate stays locked✦$0 out-of-pocket✦Soft pull to prequalify✦10–30 year terms✦No prepayment penalties✦eNotary closing 7 days a week✦
01 — The real cost of your current capital

The same $100K,
four very different costs.

Here's what $100K actually costs you depending on where you borrow it. The numbers tell the story.
★ Best option · Backed by your home equity

GrowthPath Business HELOC

On the same $100K, you'd pay roughly $9,500 in year 1 interest. Compare that to $40,000 on an MCA or $24,000on credit cards — at a 9.5% APR, it's the cheapest capital your business has access to.

$9,500
Year 1 cost on $100K
8–12%
APR
~5 days
Funding speed
vs.what you're probably using now
Merchant Cash Advance
Daily ACH debits
Total fees on $100K (6-month payback at 1.4 factor)
$40,000
APR equivalent
~80%
Funding speed
1–3 days
The catchAnnualized, that's an 80% APR.And they take it all back in six months through daily ACH debits. Owners who stack MCAs pay this every cycle.
Business Credit Cards
Revolving balances
Year 1 interest on $100K at 24% APR
$24,000
APR
22–29%
Funding speed
Instant
The catchPure interest — principal still owed.Minimum payments barely touch the principal. At $100K carrying 24%, you stay in debt for decades.
SBA Loan
Government-backed term loan
Year 1 interest on $100K at 11% APR (10-yr term)
$10,500
APR
10–13%
Funding speed
60–90 days
The catchCheaper rate — but slow and selective.Personal guarantees, extensive documentation, 60–90 day review. Most small businesses don't qualify or can't wait.

The math is the math. See what your equity actually qualifies for.

See what you qualify for →Soft credit check · No impact to your score · ~2 minutes
02 — Process

From application
to funded in four steps.

No title office trips. No paper packets. eNotary closing seven days a week. Most loans fund within 5 business days.
01Step 01
~5 min

Check what you qualify for

Quick online application takes about 5 minutes. Soft credit inquiry — no impact to your score. See your prequalified amount in seconds.

02Step 02
~24 hrs

Verify your information

Upload ID and connect your financial accounts to verify income. Bank, payroll, asset, or tax-return verification — handled automatically.

03Step 03
~30 min

Complete your closing

Sign your documents through our eNotary platform from your computer or phone. No trips to a title office. Available seven days a week.

04Step 04
~5 days

Get your funds

Funds deposited directly to your bank account via ACH. Most primary residence loans fund within 5 business days. No out-of-pocket costs.

From application to funded in 5 days. Start yours now.

Start my application →
03 — Use of funds

Put your equity
to work however you need.

This is a business purpose loan. Use the funds for anything that grows, sustains, or improves your business.
01

Working capital

Cover payroll, inventory, or seasonal gaps without draining your operating account.

02

Debt consolidation

Eliminate MCA payments, credit card balances, and high-interest loans in one move.

03

Equipment & vehicles

Fund what your business needs to operate, expand capacity, or scale into a new market.

04

Marketing & growth

Run campaigns, hire staff, or open new locations without giving up cash flow.

05

Real estate investment

Acquisitions, rehabs, and holding costs — keep your investment runway funded.

06

Renovations & upgrades

Upgrade your commercial or investment properties to drive higher returns.

04 — Qualification

What you need to qualify.

Underwriting is automated and property-driven. If you own a home with available equity and meet the credit baseline, the platform shows your real terms fast, with no back-and-forth.

Credit baseline650+ for a primary residence, 680+ for a second home or investment property. Checked with a soft pull first.
✓You own a home with equitySingle family, townhome, condo, duplex, or multi-unit up to 4 unitsProperty
✓Owned for at least 90 daysRecent purchases need to season briefly90 days
✓Credit score of 650 or higher680+ for a second home or investment property · Experian FICO 9650+
✓Debt-to-income ratio under 50%Calculated automatically from your verificationsDTI <50%
✓Valid US-issued IDDriver’s license, state ID, passport, or permanent resident cardID

If that's you, the rest takes 2 minutes.

Check my eligibility →
05 — Loan details

The fine print,
without the fine print.

Everything you'd hunt for in a term sheet, called out plainly. No gotchas, no asterisks hidden in footnotes.
Loan amounts
$25K– $750K
Single line of credit, multiple draws over the draw period.
Terms
10 / 15 / 20 / 30years
Fixed or variable. Variable rates are 25 bps lower.
Lien position
Up to 3rdlien
Sits behind your existing mortgage on primary residences.
Rate floor
4.5%minimum
Final rate depends on tier, lien position, and term length.
Origination fee
1.99 – 4.99%
Rolled into the loan. No out-of-pocket cost.
Prepayment penalty
None
Pay off any time. (See FAQ for the 16-week clawback exception.)
Credit check
Softto prequalify
Hard pull only when you decide to move forward.
Valuation
AVMmost loans
Full appraisal only required if loan exceeds $400K.
Redraw
$500minimum
3–5 year draw period. Redraw up to 100% of original limit.
State availability
Available in most US states. This program is not currently offered in:
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06 — FAQ

Questions you
probably have.

The questions every business owner asks before they apply.
No. A business purpose HELOC sits behind your existing mortgage as a second or third lien. Your current rate, payment, and terms stay exactly the same.
The initial check is a soft pull with no impact to your score. If you move forward, a hard pull occurs. The HELOC reports as a revolving tradeline on your personal credit. It does not report to business credit.
The minimum is a 650 score when the line is secured by your primary residence, or 680 for a second home or investment property. If you’re below that, we have other funding programs that work with lower scores: lines of credit, term loans, equipment financing, and an advisor can point you to the right one.
Most primary residence loans fund within 5 business days. That includes a 3-day rescission period required by law. Secondary properties have no rescission period and can fund even faster.
Yes. No prepayment penalties. The only exception: if you pay back 90% or more within the first 16 weeks, there may be a compensation clawback.
We recommend waiting 45 days after your refinance has been recorded with your county before applying. This ensures liens are accurately reflected in the system.
Yes. As you pay down your balance, you can redraw up to 100% of your original credit limit during your draw period. No new hard credit pull required. Minimum redraw is $500.
Ready when you are

Stop overpaying for capital
you could access for less.

Every month you stay in an MCA or carry high-interest credit card debt is a month you're paying more than you need to. If you own a home with equity, you already have access to cheaper capital — you just haven't unlocked it yet.

Check your rate now →

5-minute application · Soft credit pull · No obligation