Big Think Capital
Funded in as little as 5 days Check eligibility
Home Equity Line of Credit (HELOC)

Turn your home equity into flexible business capital

Draw only what you need, when you need it — up to $750,000. No appraisal, no bank visit, funded in as little as 5 days.

  • Rates from 8.25% — far below most cards & personal loans
  • Terms from 5 to 30 years, no prepayment penalties
  • Redraw as you repay — no second hard credit check
★★★★★ 4.9/5 · 2,886 reviews
$1B+ funded
25,000+ businesses
2-minute eligibility check

See how much you could unlock

6 quick questions · no credit pull · no obligation

Estimated available line
$0up to $750k
1 / 6
🔒 Encrypted & never sold · estimates only, subject to verification
$1B+
Funded to date
25,000+
Business owners served
~5 days
From approval to funding
4.9/5
Trustpilot · 2,886 reviews
Advantages

Why a HELOC is one of the smartest ways to fund growth

As a homeowner and business owner, your property is an asset you can put to work — on your terms.

Fast & flexible access

Approved in minutes, funded in as little as 5 days. Draw what you need, when you need it — up to $750,000, with terms from 5 to 30 years.

📉

Lower rates

Rates typically between 8.25%–11.5% — a fraction of what most personal loans and credit cards charge, keeping more money in your pocket.

🔁

No prepayment penalties

Pay down your balance and redraw up to your full limit — no reapplying and no second hard credit check.

The BTC advantage

Why business owners choose Big Think Capital

🎯

Competitive rates, fast

We secure quality financing at rates built for growth — and we move quickly.

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A partner in your success

We won't push just any option. We work with you to find the right fit.

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Deep lender network

Tap an international network of finance partners and place deals others can't.

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Security-first

Cutting-edge cybersecurity keeps your data locked down at every step.

Pre-requisites

Do you qualify?

  • 640+ credit score for a primary residence (up to 85% CLTV)
  • 680+ credit score for second or investment properties (70% CLTV)
  • Debt-to-income ratio of 50% or below
  • No appraisal, no bank visit — income verification handled remotely
Check my eligibility →
1
Answer 6 quick questionsTakes about two minutes — no credit pull.
2
See your estimated lineInstant ballpark based on your equity and credit.
3
Talk to an advisorCall now or have us reach out within one business hour.
4
Get funded in ~5 daysWe guide you from verification to final paperwork.
Reviews

What our customers say

★★★★★  4.9 out of 5 based on 2,886 Trustpilot reviews

★★★★★
Smooth and easy from start to finish

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.

Brandon U.
Verified · Trustpilot
★★★★★
Walked me through every step

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.

Mike R.
Verified · Trustpilot
★★★★★
Professional and made me comfortable

Helped me out a lot getting a line of credit — very professional and always communicating. Couldn't have gone any better. Would greatly recommend.

Ernest M.
Verified · Trustpilot

See what your home equity can do

Take the first step toward flexible, lower-cost capital. Check your eligibility in two minutes — an advisor will call you within one business hour.

📊 Get my estimate — 2 minutes