Fund Your Businesswith Your Home Equity
Access up to $750,000 for your business — faster than an SBA loan and at a fraction of credit card rates. No appraisal. No title fees. Funded in as few as 5 days.
Simple Process
From Application to Funded in Days — Not Months
While traditional business loans take 30–90 days, most BrightPath business HELOCs fund in as few as 5 business days.
Apply Online in Minutes
Complete our secure 5-step application from any device. No branch visit. No paper. We only ask what we need to get you an offer.
Get Your Personalized Offer
Our system returns a real offer with your rate, credit limit, and estimated payment — usually within minutes of submitting your application.
Fund Your Business
Accept your offer, e-sign your documents, and receive funds in as few as 5 days on most loans. Draw what you need, when you need it.
Business HELOC vs. Other Financing Options
| Feature | Business HELOC | SBA Loan | Biz Credit Card | MCA |
|---|---|---|---|---|
| Typical APR | From 6.75% | ~10–13% | 20–30% | 40–150% |
| Funding Time | As few as 5 days | 30–90 days | Instant | 1–3 days |
| Line Amount | Up to $750K | Up to $5M | Up to $100K | Varies |
| Collateral | Home equity | Business assets | None | Future revenue |
| Flexibility | Revolving | Fixed term | Revolving | Fixed |
Why BrightPath
Built for Business Owners
If you own your home and run a business, you have access to one of the most powerful — and underused — financing tools available.
No Appraisal, Title, or Escrow Fees
Unlike traditional loans, most Figure HELOCs require no appraisal, no title insurance, and no escrow fees — keeping more capital where it belongs: in your business.
Faster Than an SBA Loan
SBA loans can take 30–90 days. A Figure business HELOC can fund in as few as 5 business days on most loans — so you can move at the speed of your business.
Rates from 6.75% APR
Business credit cards average 20–29% APR. Merchant cash advances cost even more. A Figure HELOC starts as low as 6.75% APR — a fraction of the cost.
Revolving Credit Line
Draw what you need, repay, and draw again. A revolving line gives your business the flexibility to cover payroll, inventory, or unexpected expenses on demand.
Lines Up to $750,000
Access serious capital — up to $750,000 — based on your available home equity. Enough to fund expansion, equipment, hiring, or a real estate acquisition.
Powered by Figure
Figure's blockchain-powered platform delivers a fully digital process with industry-leading speed and security — no branch visits, no paper, no waiting.
What Can You Use Your Business HELOC For?
Any legitimate business purpose qualifies. Here are the most common use cases:
Got Questions?
Frequently Asked Questions
Everything business owners need to know about our HELOC product.
What is a business HELOC and how does it differ from a personal HELOC?
A business HELOC uses your primary residence as collateral but the funds are used for business purposes — working capital, expansion, equipment, and more. Figure's SMB HELOC product is purpose-built for small business owners who want the speed and simplicity of a home equity line without the restrictions of traditional business loans.
How much can I borrow?
Qualified borrowers can access up to $750,000. Your exact credit limit depends on your available home equity (up to 95% combined loan-to-value on most programs), your credit profile, income, and state of residence.
What are the fees?
Most Figure HELOCs have no appraisal fee, no title insurance fee, and no escrow fee. There is an origination fee, which will be clearly disclosed before you accept your offer. We believe in full transparency — no surprises at closing.
What credit score do I need?
Generally, a minimum 680 FICO score is required, with the best rates available to borrowers at 720+. We look at the full picture — your equity, income, and business history — not just a single number.
How fast can I get funded?
On most loans, funding is available in as few as 5 business days after signing — dramatically faster than an SBA loan (30–90 days) or a traditional bank business line of credit. The entire process is digital: no branch visits, no paper.
Does applying affect my credit score?
Checking your rate uses a soft credit pull and does not impact your credit score. A hard inquiry is only performed if you proceed to a full application after reviewing your personalized offer.
Can I use the funds for any business purpose?
Yes — working capital, hiring, inventory, equipment, marketing, real estate investment, and business debt refinancing all qualify. The funds are yours to deploy where your business needs them most.
What states are eligible?
Figure HELOCs are available in most U.S. states. Availability and terms may vary by state. Check your rate to confirm eligibility in your area.
Still have questions?
Ready to Fund Your Business?
Business owners across the country are using their home equity to grow — at rates far below business credit cards. Check your rate in 5 minutes with no credit impact.
No obligation. No hard credit pull to check your rate.