A fixed-rate home equity line built for business owners — up to $400,000, 100% online, with funding in as few as 5 days.
Unlike variable-rate credit lines, your rate is locked when you close. One predictable payment whether markets move or not — so payroll math stays payroll math.
Because your home secures the line, pricing lands well below typical business credit cards, personal loans, and short-term advances — often by double digits.
This isn't one-and-done financing. As you pay the balance down, you can draw those funds again — standby capital for inventory buys, slow seasons, or the next location.
The line sits on the personal side of your balance sheet, so it doesn't crowd out equipment financing, SBA eligibility, or a future business line of credit.
I'd been stacking short-term advances to cover inventory. My advisor showed me what my equity could do instead — one fixed monthly payment now costs less than one of my old daily payments did per week.
No branch, no appraiser walking through my house, no stack of paper. I answered the questions on a Tuesday, e-signed Thursday, and the funds landed the following week.
What sold me wasn't the rate — it was that a real person walked me through each step and never pushed me toward more than I needed. I've already redrawn once for a trailer purchase.
No. The 2-minute check runs entirely on the ranges you choose — nothing is pulled. A credit check only happens later, if you decide to move forward with an actual offer.
Speed and certainty. Traditional HELOCs often take 4–6 weeks, an in-person appraisal, and a variable rate. This program is fully online, uses automated property valuation, funds in as few as 5 days, and the rate is fixed at closing.
Yes — that's the point. Expansion, equipment, inventory, marketing, consolidating expensive short-term debt, or simply a cash cushion. You draw the funds and decide.
That's expected — the line is based on the equity above what you owe. Enter your rough numbers in the check and you'll see an estimate instantly. If a HELOC isn't the best fit, Elite Funders has a full menu of business funding programs to compare.
Yes. Everything you enter is encrypted in transit and at rest, used only to prepare your estimate and connect you with an advisor, and never sold.