⚡Funded in as little as 5 daysCheck eligibility
Draw only what you need, when you need it — up to $750,000 at rates from 8.25%. No appraisal, no bank visit, funded in as little as 5 days.
6 quick questions · no credit pull · no obligation
Do you own a business?
This program funds business owners — it's the first thing we check.
You're not comparing this to a credit card. You're comparing it to an advance against next quarter's receivables, or a bank process that finishes after the opportunity closes.
Scroll the table sideways to compare →
| HELOC via Big Think | Merchant cash advance | Unsecured business line | SBA 7(a) | |
|---|---|---|---|---|
| Typical cost | 8.25% – 11.5% APR | 1.15–1.50 factor rate — often 40%–150% effective | ~12% – 35% APR | Prime + 2.25% – 4.75% |
| Time to funding | ~5 days | 24 – 72 hours | 1 – 7 days | 30 – 90 days |
| Repayment | Monthly, 5–30 year terms, no prepayment penalty | Daily or weekly sweeps from your deposits | Monthly, usually 12–24 months | Monthly, 10–25 years |
| What secures it | Equity in your home | Future receivables, UCC lien, personal guarantee | Personal guarantee, often a blanket UCC lien | Business assets, personal guarantee, often real estate |
| What you have to produce | No appraisal, no bank visit — income verified remotely | 4–6 months of bank statements | 6–12 months of statements, sometimes tax returns | Full financials, tax returns, projections, business plan |
| Reusable? | Yes — redraw as you repay | No — renew by taking a new advance | Yes, up to a smaller limit | No |
You already carry the asset. Putting it to work is usually cheaper than every product built specifically for small business.
Approved in minutes, funded in as little as 5 days — fast enough to take the bulk inventory discount, cover the payroll gap, or close on the equipment. Up to $750,000.
Rates typically 8.25%–11.5%. An advance against receivables can cost five times that — and takes its payment before you've collected.
Pay down your balance and redraw up to your full limit — no reapplying and no second hard credit check. Useful for seasonal swings.
A HELOC is secured by your home. That's what makes it cheap, and it's also the reason it isn't right for every situation. Here's how we think about it.
Predictable repayment, clear return on the draw.
We'll tell you this up front anyway.
We secure quality financing at rates built for growth — and we move quickly.
We won't push just any option. We work with you to find the right fit.
Tap an international network of finance partners and place deals others can't.
Cutting-edge cybersecurity keeps your data locked down at every step.
Your business
Your property & credit
★★★★★ 4.9 out of 5 based on 2,886 Trustpilot reviews
They worked through underwriting stips other companies wouldn't and helped me take my business to the next level. Funding was next day and they held my hand the whole way.
Great help with my first business loan. They stayed in communication the whole time and the loan was approved and transferred in just a few days.
Helped me out a lot getting a line of credit — very professional and always communicating. Couldn't have gone any better. Would greatly recommend.
Check your eligibility in two minutes. If a HELOC isn't the right instrument for your business, an advisor will tell you that — and show you what is.