Home Equity Loan

Exclusively for Business Owners

Keep Your Rate.
Access Your Equity.

Business owners can access up to $750,000 from the equity in their home or rental property, without refinancing the first mortgage. Your low rate stays. Your options grow.

Start Free 60-Second Assessment See how it works
600
Minimum FICO
Qualifying credit score
$750K
Maximum Access
Tap your built equity
85%
Max CLTV
Combined loan to value
5 Days
Fast Funding
Quick approvals & closings
$0
Out-of-Pocket
Origination financed in
35
States Available
And growing
Why a Business-Purpose HELOC

Everything you need.
Nothing you don't.

A second-position HELOC built for business owners who want liquidity from their primary home, second home, or 1–4 unit rental, without giving up their current low mortgage rate.

🔒
Keep Your Low Rate
No refinancing. Your first mortgage stays exactly as is. This program works around it, not through it.
📅
Flexible Terms
10, 15, 20, and 30-year fully amortizing options. Pick what works for your cash flow.
%
Competitive Rates
Autopay discount available. Rates designed to make your equity work harder for your business.
⚡
Streamlined Process
Simple application, clear communication. Funding in as little as 5 days from approval.

Put Your Equity to Work

  • Business Expansion
  • Investment Properties
  • Working Capital
  • Real Estate Purchases
  • Equipment Purchases
  • Commercial Real Estate
  • Inventory
  • Business Growth
  • Debt Consolidation
  • And More

If you own a business and have equity in your home or rental property, we can help you put it to work.

The Process

From application to funded
in as little as 5 days.

01
60-Second Assessment
Complete our quick online form. No obligation, no hard pull on your credit to get started.
02
Review Your Options
Ralph reviews your scenario personally and matches you with the lending partner offering the best terms for your situation.
03
Fast Approval
Simple documentation, clear communication, and a streamlined underwriting process.
04
Access Your Funds
Close and fund, typically within 5 days. Zero out-of-pocket costs. Origination financed into the loan.
Qualification

Do you qualify?

Basic requirements to get started. Many business owners are surprised at how accessible this program is.

Borrower TypeBusiness Owners Only
Eligible PropertiesPrimary, 2nd Home, 1–4 Unit
Minimum Credit Score600 FICO
Maximum Loan Amount$750,000
Combined Loan to ValueUp to 85%
Out-of-Pocket Costs$0
Available Terms10–30 Yrs
States Available35 States*

Find Out in 60 Seconds

No hard credit pull. No obligation. Just answers about what your equity can do for your business.

Start Your Free Assessment
Safe & secure. Your information is always protected.
Availability

Available in 35 states
and growing.

This program is currently available through our lending partners in the following states. Don't see yours? Reach out. Coverage is expanding.

AL
AK
AR
CO
CT
DE
DC
FL
IL
IN
IA
KS
KY
LA
ME
MD
MA
MS
MO
MT
NE
NH
NM
NY
NC
OH
OK
PA
RI
SC
TN
TX
WA
WI
WY

*Not available in TX or NY for secondary or investment properties.

Your equity is ready.
Are you?

Business owners have been unlocking opportunity through smart financing with us since 2013. Let's talk about what's possible for your business.

Start Your Free Assessment →

Springboard Funding Partners is a loan broker, not a lender. Program available to business owners only. *Not available in TX or NY for secondary or investment properties. Restrictions apply. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Terms and conditions subject to change without notice.