Commercial HELOC: Turn Property Equity Into Business Capital

A commercial HELOC is a business-purpose home equity line of credit secured by commercial or investment property. It works like a revolving credit line: you draw only what you need, when you need it, and pay interest only on the amount drawn.

No. The line is placed as a second lien behind your existing first mortgage, so your current first-mortgage rate and terms stay intact.

No. Initial pre-qualification uses a soft review only — there is no hard credit pull to see your available options. Final approval and terms are determined by the participating lending partner.

Common uses include property acquisitions, renovations and tenant improvements, working capital, and other business purposes. Funds must be used for business, not personal, purposes.