Fund your Business with
Real Estate Equity
A Business HELOC lets you unlock the equity in your real estate and turn it into working capital—quickly
and with fewer requirements. Whether you're expanding operations, purchasing inventory, hiring employees,
covering payroll, or improving cash flow, we're here to help you access the funding you need.
Up to
$750K
Credit Line
6.75% APR
Rates From
5 Days
Funding (most loans)
No
Appraisal
Required on most loans
256-bit encrypted & secure. Your information is never sold.
Simple Process
Apply Online in Minutes
Comete our secure 5-step application from any device. No branch visit. No paper.
Get Your Personalized Offer
Your system returns a real offer with your rate, credit limit, and estimated payment — usually within minutes of submitting your application.
Fund Your Business
Accept your offer, e-sign your documents, and receive funds in as few as 5 days on most loans. Draw what you need, when you need it.
Business with Real Estate Equity vs. Other Financing Options
| Feature | Business Real Estate | SBA Loan | Biz Credit Card | MCA |
|---|---|---|---|---|
| Typical APR | From 6.75% | 10–13% | 20–30% | 40–150% |
| Funding Time | As few as 5 days | 30–90 days | Instant | 1–3 days |
| Line Amount | Up to $750K | Up to $5M | Up to $100K | Varies |
| Collateral | Home equity | Business assets | None | Future revenue |
| Flexibility | Revolving | Fixed term | Revolving | Fixed |
Why Business Owners Choose Us
Your real estate is your most underused business asset.
Access up to $750,000 for your business — faster than an SBA loan and at a fraction of credit card rates. No appraisal. No title fees. Funded in as few as 5 days.
Borrow up to $750,000 — Fast
SS# Not Required for Approval
No income docs
No appraisal needed
Approved in minutes (usually)
Funded in days
Terms of 10, 15, 20, or 30 years
Rates as low as 6.75% APR
Real Estate Equity
Built for Business Owners
If you own your home or real estate investment to run a business, you have access to one of the most
powerful — and underused — financing tools available.
01
Lower Upfront Costs. More Capital for Growth.
Depending on your financing program and eligibility, you may avoid common upfront costs like appraisals, title insurance, and escrow fees—helping you keep more money available to invest in your business.
02
Fast Funding When Your Business Needs It Most
Skip the long wait of traditional business loans. Qualified applicants can receive funding in as few as 5 business days, so you can keep your business moving forward with confidence.
03
Save More with Competitive Rates
Instead of paying high interest on business credit cards or costly merchant cash advances, qualified borrowers can access real estate equity financing with rates starting as low as 6.75% APR—making it a smarter, more affordable way to fund business growth.
04
Borrow. Repay. Borrow Again.
Enjoy the flexibility of a revolving line of credit that lets you access funds when needed, repay over time, and reuse your available credit for payroll, inventory, expansion, or unexpected business expenses.
05
Unlock Up to $750,000 in Business Funding
Use your real estate equity to access up to $750,000 in flexible financing for expansion, equipment, hiring, inventory, working capital, or new investment opportunities.
06
A Faster, Simpler Financing Experience
Our secure digital process lets you apply online, submit documents electronically, and complete your financing without visiting a branch or dealing with stacks of paperwork.
What Can You Use Your Real Estate Equity Financing For?
Any legitimate business purpose qualifies. Here are the most common use cases:
🏗️
Business Expansion
💰
Working Capital
🛠️
Equipment Purchase
📦
Inventory Financing
👥
Hiring & Payroll
🏢
Real Estate Investment
📣
Marketing & Growth
🔄
Debt Refinancing
Got Questions?
Frequently Asked Questions
Everything you need to know about funding your business with real estate equity.
What Is Real Estate Equity Financing and How Does It Work for Your Business?
Real estate equity financing allows business owners to use the equity in their primary residence or investment property to secure funding for business needs. Whether you're looking to increase working capital, expand operations, purchase equipment, hire staff, or manage cash flow, this flexible financing solution provides access to the capital you need. First One Capital offers a streamlined process with competitive rates, fast approvals, and fewer restrictions than many traditional business loans, helping you grow your business with confidence.
How much can I borrow?
Qualified borrowers can access up to $750,000. Your exact credit limit depends on your available home
equity (up to 85% combined loan-to-value on most programs), your credit profile, income, and state of
residence.
Transparent Fees, No Hidden Costs
We believe in complete transparency. Any applicable fees or closing costs are clearly disclosed before you accept your financing offer, so you can move forward with confidence and no surprises at closing.
We Look Beyond Your Credit Score
While a minimum credit score of 600 is generally recommended, we evaluate your entire financial profile—including your real estate equity, income, and business objectives—to help determine the financing solution that's right for you. Borrowers with 720+ credit scores may qualify for our most competitive rates.
How fast can I get funded?
On most loans, funding is available in as few as 5 business days after signing — dramatically faster
than an SBA loan (30–90 days) or a traditional bank business line of credit. The entire process is digital:
no branch visits, no paper.
Does applying affect my credit score?
Checking your rate uses a soft credit pull and does not impact your credit score. A hard inquiry is only
performed if you proceed to a full application after reviewing your personalized offer.
Can I use the funds for any business purpose?
Yes — working capital, hiring, inventory, equipment, marketing, real estate investment, and business debt refinancing all qualify. The funds are yours to deploy where your business needs them most.
Available in Most U.S. States
Our financing solutions are available in most states across the U.S. Eligibility, rates, and terms may vary based on your location and qualifications. Check your eligibility today to explore your available options.
Still have questions?
Ready to Fund Your Business?
Business owners across the country are using their home equity to
grow — at rates far below business credit cards. Check your rate in 5
minutes with no credit impact.
No obligation. No hard credit pull to check your rate.
Helping small business owners unlock their Real Estate Equity with fast and transparent financing
@ 2026 First One Capital
APR (Annual Percentage Rate) is provided for informational purposes only and is subject to change without prior notice. Actual rates and terms depend on factors such as your credit profile, property value, loan-to-value (LTV) ratio, financial qualifications, and underwriting approval. All financing options are subject to credit and property approval and may not be available in all states or jurisdictions. First One Capital is a financial institution and is not the actual lender. This offer is not a commitment to lend. Funding timelines, including approvals in as few as 5 business days, are estimates and may vary based on documentation, verification, and underwriting requirements. Property appraisals may not be required for every application; however, exceptions may apply based on the specific financing request.