Home Equity Line of Credit

A home equity line of credit for business, at some of the lowest rates available

If you own a home with built-up equity, a HELOC turns it into flexible capital. Draw what you need, when you need it, at rates unsecured products cannot match.

Check what I qualify for Talk to a specialist

Collateral: Home equity
Rates: Among the lowest
Access: Draw as needed
Use: Lender guidelines vary

How it works in practice

The line is secured by the equity in your home, which is what keeps the rate low.
Like a business line of credit, you draw against a limit and pay on what you use.
Lenders set the limit from your available equity and credit.
Some lenders have guidelines on how funds are used, and we check before you apply.
Your home is the collateral, so we talk that risk through plainly.

What you will typically need

Proof of home ownership
A recent mortgage statement
Income documentation
A current credit report

Rates, terms, amounts and eligibility are set by the lender, not by Nivira Capital. Your specialist confirms the specifics for your file before anything is signed.

Questions

HELOC questions, straight answers

Generally yes, though some lenders set guidelines. Your specialist confirms what your lender allows before you apply.

Your home equity secures the line, which lowers the lender's risk.

Because the line is secured by your home, missed payments put the home at risk. That is the trade-off for the lower rate, and we make sure it is right for you before you apply.

Other Options

Compare before you commit

Unsecured Term Loans$50K to $500K on personal credit. Startups qualify. Business Line of CreditDraw as you need it. No collateral. SBA LoansLowest rates and longest terms, for strong files. Merchant Cash AdvanceApproved on revenue, not credit.