Unlock up to 85% of your home's equity as a revolving credit line — some of the lowest-cost capital a business owner can access, underwritten on your equity and credit, not your business financials.
Because the line is secured by your home's equity, rates run far below merchant cash advances, unsecured lines, and most term loans.
Approval is based on your equity and personal credit — not business revenue or time in business. Perfect when your business is young or its financials don't tell the whole story.
A revolving line, like a credit card. Draw what you need, pay interest only on what you use, and your available credit replenishes as you pay it down.
When proceeds are used for business purposes, interest may be deductible as a business expense. Ask your tax advisor how it applies to you.
The same capital, four very different price tags. Here's how a HELOC compares to the products most business owners are offered.
| HELOC via Gemini | Merchant Cash Advance | Unsecured Business Line | SBA 7(a) | |
|---|---|---|---|---|
| Typical cost | 8.25% – 11.5% APR | 1.15 – 1.50 factor rate — often 40%–150% effective | ~12% – 35% APR | Prime + 2.25% – 4.75% |
| Time to funding | ~5 days | 24 – 72 hours | 1 – 7 days | 30 – 90 days |
| Repayment | Monthly, 5–30 year terms, no prepayment penalty | Daily or weekly sweeps from your deposits | Monthly, usually 12–24 months | Monthly, 10–25 years |
| What secures it | Equity in your home | Future receivables, UCC lien, personal guarantee | Personal guarantee, often a blanket UCC lien | Business assets, personal guarantee, often real estate |
| What you have to produce | No appraisal, no bank visit — income verified remotely | 4–6 months of bank statements | 6–12 months of statements, sometimes tax returns | Full financials, tax returns, projections, business plan |
| Reusable? | Yes — redraw as you repay | No — renew by taking a new advance | Yes, up to a smaller limit | No |
Figures are typical market ranges for comparison and are illustrative only — not an offer of credit and not a quote for any specific product. Your terms depend on verification, underwriting, and approval. Rates and availability change.
From application to money in your account in about five days — with no hard credit pull to see your options.
Tell us about your home, your equity, and what your business needs. Soft credit pull only.
5 minutesWe verify your home's value and available equity and match you with the best-fit lender in our network.
24–48 hoursA specialist walks you through your line size, rate, and draw terms. No pressure, no obligation.
Same daySign your closing documents and draw funds straight to your bank account whenever you need them.
As soon as 5 daysIt's a revolving line of credit secured by the equity in your home, with the proceeds used to fund your business. Because it's secured by real estate, it's typically the lowest-cost capital a small business owner can access.
No. Seeing your options starts with a soft credit pull, which has no impact on your score. A hard pull only happens later in the process, once you've chosen an offer and decided to move forward.
Most lenders allow you to borrow up to 85% of your home's value, minus what you still owe on your mortgage. For example: a $500,000 home with a $250,000 mortgage balance could support a line of up to roughly $175,000.
That's exactly where a HELOC shines. Qualification is based on your home equity and personal credit — not business revenue, profitability, or time in business.
Your home secures the line, which is why the rates are so low — and it means the line should be borrowed against responsibly. Your specialist will help you size a line and a draw strategy that fits your cash flow comfortably.
Both are revolving lines, but a business line of credit is underwritten on your business's revenue and typically carries higher rates. A HELOC is underwritten on your home equity and personal credit, usually at a much lower rate — and either can be the right tool depending on your situation.
Three quick questions. No credit impact. Offers in hours.
