⚡Funded in as little as 5 daysCheck eligibility
A business HELOC lets you borrow against your home's equity — usually the cheapest capital a small business can get. Approved in minutes, funded in as little as 5 days. Draw what you need, repay, draw again.
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.
Big Think Capital is a funding marketplace, not a bank. Your file goes out to our lending partners, they compete on it, and an advisor walks you through what comes back — so you see the best terms available to you without shopping the market yourself.
Across 10+ funding products. One application reaches all of them — you don't re-tell your story to each bank, and you don't take a rate without knowing what else was on the table.
You get a named funding advisor, not a call queue. They handle the lender conversations, explain the trade-offs between offers, and stay with your file through closing.
Offices in Melville and Manhattan, New York, and Aventura, Florida. Named Top Business Lending Firm 2024.
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.
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.
Big Think Capital is a business-funding marketplace founded in 2017 to help small business owners access the capital they need to grow. Rather than lending off a single balance sheet like a bank, we take your file to 75+ lending partners so they compete for it, and a named advisor walks you through what comes back. We've funded over $1 billion for more than 25,000 business owners, hold a 4.9/5 rating across 2,886 Trustpilot reviews, and were named a Top Business Lending Firm 2024. We operate from offices in New York and Florida and serve business owners in all 50 states.
Yes. Big Think Capital is a Secure Broker™ 2026 Certified brokerage and is licensed under the California Financing Law (CFL) for loans made in California. We were recognized as a Top Business Lending Firm 2024, maintain a 4.9/5 Trustpilot rating, and never sell your information — everything you submit is encrypted in transit. An advisor will always tell you up front if a HELOC isn't the right fit for your situation.
No. Seeing your estimated options doesn't require a hard credit pull, so it won't affect your score. Only a full application later may involve a credit check, and an advisor will let you know before that happens.
A HELOC is secured by the equity in your home, so like any mortgage or home-equity product, your home is the collateral. You draw only what you need and repay on set terms. An advisor walks you through exactly how it works so you can decide whether it's the right fit before committing to anything.
This program has a floor: 640+ for a primary residence, 680+ for a second or investment property. Below that we can't place a HELOC, and we'd rather tell you now than put you through an application that won't go anywhere. If you're under 640, ask your advisor about Big Think Capital's other business funding programs — they have different requirements, and that's the better place to start.
Qualified business owners can access up to $750,000, with rates from 8.25%, and funding in as little as 5 days after approval. Your exact amount and rate depend on your equity, credit, and underwriting.
Business purposes — working capital, equipment, inventory, expansion, a new location, or refinancing higher-cost business debt. This program is for business-purpose use, not personal or household expenses.
Yes. Everything you submit is encrypted in transit, and we never sell your information. You're in control of the conversation from here.
Check your eligibility in about a minute. If a HELOC isn't the right instrument for your business, an advisor will tell you that — and show you what is.