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Go Pro Capital
Business HELOC

Tap Your Equity,
Fuel Your Business

A home equity line of credit built for entrepreneurs. No closing costs, fund in as few as 5 days, and draw again as you repay.

How It Works

Three Steps to Funding

From application to cash in hand — faster than you think.

01

Apply Online

5-minute automated application. Soft credit pull — no impact on your score.

02

Instant Pre-Qual

AI-powered underwriting verifies income, property value, and eligibility in minutes.

03

Fund in 5 Days

eNotary closing, ACH disbursement. No closing costs, no hidden fees.

Key Advantages

Why Business HELOC?

Built with technology that makes traditional HELOCs feel outdated.

No Closing Costs

Zero out-of-pocket costs. The origination fee is included in your loan amount.

Fixed & Variable Rates

Choose the rate structure that fits your business — predictable or flexible.

All 50 States

Licensed nationwide. No state restrictions for your HELOC application.

Up to 3rd Lien

Flexible lien positioning — access equity even with existing mortgages.

10–30 Year Terms

Long-term financing that doesn't pressure your monthly cash flow.

IntelliDebt Payoff

Built-in system to pay off existing debts directly from your HELOC proceeds.

Eligibility

Your Path to Funding

Three tiers based on your credit profile. The stronger your score, the more you can access.

Near Prime
600 – 639
FICO Score
Max CLTV75%
Max Amount$250K
Lien Position2nd
Standard
640 – 759
FICO Score
Max CLTV85%
Max Amount$400K
Lien Position1st – 3rd
Premium
760+
FICO Score
Max CLTV85%
Max Amount$750K
Lien Position1st – 3rd
The Difference

Faster, Cheaper, Smarter

Technology-powered HELOC vs. the traditional process.

Feature
Business HELOC
Traditional
Property Valuation
AVM (instant)
Full Appraisal
Lien Search
Digital matching
Analog title search
Income Verification
Automated via Plaid
Manual review
Document Signing
eNotary / Remote
In-person wet sign
Funding Speed
As few as 5 days
30+ days
Closing Costs
None
$2,000 – $5,000+
Eligible Properties

Accepted Property Types

Residential properties that qualify for your Business HELOC.

Single FamilyEligible
Townhomes & PUDsEligible
CondominiumsEligible
DuplexesEligible
3-4 Unit PropertiesEligible
Investment PropertiesEligible
Additional Draws

Draw Again as You Repay

As you pay down your balance, you can redraw up to 100% of your credit limit. Minimum draw of $500. No new hard credit pull required — each draw gets its own individual rate.

Redraw up to 100% of credit limit
No new hard credit pull
Minimum $500 per draw
Each draw at its own rate
Draw Periods by Term
10 years loan3 years draw period
15 years loan4 years draw period
20 years loan4 years draw period
30 years loan5 years draw period
Requirements

What You Need

Meet these qualifications to start your HELOC application.

600+ FICO score (Experian FICO 9)
Property in any of 50 U.S. states
Residential property (SFR, condo, townhome, 2-4 unit)
Combined LTV within program limits
Debt-to-income below 50% (45% for multi-family)
90+ days since property purchase
60+ months since any bankruptcy or foreclosure
Valid U.S.-issued ID and SSN
FAQ

Common Questions About Business HELOC

RELATED SOLUTIONS

Explore More Funding Options

Ready to Unlock Your Equity?

Check your rate in minutes with a soft credit pull — no impact on your score.

5 Days
Funding Speed
$0
Closing Costs
600+
Min FICO
50 States
Licensed

Rates shown are examples for qualified borrowers. Actual rates depend on credit profile, business financials, time in business, and product type. All financing subject to approval.