Keep your low mortgage rate. Put your equity to work.
Access up to $750,000 from your home or rental property for business use, without refinancing your first mortgage.
Liquidity without touching your first mortgage.
A second-position line for business owners with equity in a primary home, second home, or 1–4 unit rental.
Keep your rate
No refinance. Your first mortgage stays exactly as it is.
10–30 year terms
Fully amortizing 10, 15, 20, and 30-year options to fit your cash flow.
Fast and simple
Short application, clear communication, funding in as little as 5 days after approval.
Use it for almost any business purpose.
- Working capital
- Business expansion
- Startup funding
- Equipment
- Inventory
- Investment property
- Commercial real estate
- Debt consolidation
- And more
Funding a startup? Borrowing against your home or rental can let you grow without giving up equity in your company.
From application to funded, in four steps.
60-second assessment
Answer a few quick questions. No hard pull to get started.
Ralph reviews it personally
Your scenario is matched with the lending partner offering the best terms.
Fast approval
Simple documentation and a streamlined underwriting process.
Access your funds
Close and fund in as little as 5 days after approval, with origination financed in.
The basics.
| Borrower | Business owners & founders |
| Eligible properties | Primary, 2nd home, 1–4 unit |
| Minimum credit score | 600 FICO |
| Maximum line | $750,000 |
| Combined loan-to-value | Up to 85% |
| Terms | 10–30 years |
| Out-of-pocket costs | $0 |
Ralph Russell
I've spent 15 years placing debt for business owners. As a broker, not a lender, I shop your scenario across lending partners so you get the best fit, not just one bank's answer.
- You talk to me directly, start to finish
- Straight answers on whether this program fits
- Other options if it doesn't: SBA, working capital, CRE
Find out what your equity can do.
Takes about 60 seconds. No hard credit pull, no obligation.
- Tell us about your business and property
- Ralph reviews your scenario personally
- You get clear options and next steps
561-818-6634
Common questions
Will this affect my first mortgage?
No. This is a second-position line. Your first mortgage, rate, and payment stay exactly as they are.
Does starting the assessment hurt my credit?
No. There's no hard credit pull to get started.
Who is eligible?
Business owners and startup founders with equity in a primary home, second home, or 1–4 unit rental, with a 600+ FICO. Funds must be used for business purposes.
How much can I access?
Up to $750,000, with a combined loan-to-value up to 85% including your first mortgage.
Are you the lender?
No. Springboard Funding Partners is a broker. Ralph matches your scenario with the lending partner offering the best terms.
Is it available in every state?
Not in TX or NY for second homes or investment properties. Call to confirm for your situation.