Access $25,000 to $750,000 in property equity without refinancing your current mortgage. Qualified business owners and real estate investors can receive funding in as few as 5 business days.
Soft credit inquiry to check potential eligibility • Online application • Remote closing available in many states
Traditional home-equity financing can require weeks of paperwork, manual underwriting, title searches, appraisals, and in-person appointments. Our fintech-powered business-purpose HELOC uses automated property valuation, digital lien verification, online document collection, and remote notarization where available to create a faster, easier experience.
Financing amounts are based on creditworthiness, property value, available equity, lien position, occupancy, and lender guidelines.
Access your equity without replacing or refinancing your current first mortgage or giving up its existing rate.
Qualified borrowers may choose from available 10-, 15-, 20-, or 30-year fully amortizing terms.
Eligible primary residences may qualify for first, second, or up to third-lien position. Non-owner-occupied properties are generally limited to first or second position.
Complete the application online with automated verification and remote closing options available in many states.
Available financing options may include fixed or variable rates depending on the borrower, property, and current program guidelines.
Qualified business owners may use equity from a primary residence for an eligible business purpose. Most funding is initiated within five business days, including the required three-business-day rescission period.
Eligible second homes may qualify without the primary-residence rescission period, allowing the transaction to move more quickly after closing requirements are completed.
Eligible non-owner-occupied investment properties may qualify for a first- or second-position business-purpose HELOC. Availability varies by state.
Property types, occupancy options, lien positions, and state availability are subject to lender guidelines. Investment-property HELOCs are not available in every state.
Traditional HELOC
Our Fintech HELOC
01
Complete a brief form and check potential eligibility with a soft credit inquiry.
02
Review preliminary amounts and terms based on your credit and property information.
03
Securely provide the required identity, income, property, and business-purpose information.
04
Finish the notary process remotely where e-notary is available.
05
Qualified transactions may fund in as few as five business days. Actual timing varies.
These are preliminary guidelines only and are not a guarantee of approval. Final eligibility is determined by the participating lender's underwriting requirements.
HELOC Eligibility Check
Check your potential eligibility without refinancing your current mortgage. The initial inquiry uses a soft credit check and takes only a few minutes.
Important Disclosure
First Capital Funding is not a bank and does not make final credit decisions. Financing is provided by participating third-party lenders. All financing is subject to application, credit approval, income verification, acceptable property valuation, available equity, lien position, state availability, business-purpose verification, and the lender's underwriting requirements. Checking potential eligibility may use a soft credit inquiry; a hard credit inquiry may be required later in the application process. Loan amounts, rates, fees, terms, and funding times vary. “As few as five business days” is not a guarantee. Primary-residence transactions generally include a three-business-day rescission period. ACH processing by the borrower's financial institution may require additional time. Investment-property and non-owner-occupied programs are unavailable in certain states. This is not an offer or commitment to lend.