Business HELOC
Flexible revolving capital backed by qualifying residential property. Designed for business owners who want long-term access to capital and have qualifying property equity.
Explore Business HELOCCapital · Growth · Opportunity
You may have more options than you think.
Let’s find the right one for your business.
Whether you need breathing room, capital to grow, or a better way to manage expensive business payments, PrimeNova looks at the full picture to help uncover the strongest path forward.
You don’t need to know which financing product you need. That’s what the review is for.
Personalized review · Takes only a few minutes to start · No pressure
If any of this sounds familiar, you’re in the right place.
Cash flow feels tighter than it should
The business is producing, but too much of what comes in is already committed.
You’re ready to grow
There’s an opportunity in front of you and you need the capital to move.
Business payments are creating pressure
Daily, weekly, or multiple financing payments can make even a strong business feel tight.
You have equity but aren’t sure how to use it
Your property may create financing possibilities you haven’t explored yet.
You’ve already been told no
One score, one institution, or one decision doesn’t always tell the whole story.
You simply need more access to capital
For inventory, equipment, payroll, expansion, acquisitions, or the next opportunity.
Built around real business financing.
- $100M+
- Business Capital Secured
- 500+
- Small Businesses Helped
- 11+ Years
- Financing Experience
- 4.9★
- Client Rating
You don’t have to figure this out on your own.
Business financing gets complicated fast.
Property equity. Credit. Business revenue. Cash flow. Existing financing. Ownership structure. Timing.
All of it can affect what makes sense.
PrimeNova brings the pieces together.
One review. One complete picture. Multiple possible paths.
Instead of sending you from product to product, we start by understanding where your business is today and what you’re trying to accomplish.
Flexible capital, backed by your property
Your property could be one of your business’s most powerful financial tools.
For qualified business owners, a Business HELOC can create flexible, revolving access to capital by putting available residential property equity to work.
Revolving access
Use available capital as needed, repay it, and access available funds again.
Built for flexibility
Use capital for growth, working capital, opportunities, business expenses, or other qualifying needs.
A long-term financial tool
Create ongoing access to capital instead of repeatedly starting over every time the business needs funds.
Put existing equity to work
Your property may already hold financial flexibility your business can use.
A credit score shouldn’t be the only thing telling your story.
A business can have meaningful revenue, years of operating history, property equity, strong cash flow, and real opportunities even when every part of the financial picture isn’t perfect.
PrimeNova looks beyond one number.
Your goalBusinessPropertyCash flowCreditCurrent financing
Your Capital Profile
The goal isn’t to force your situation into one box. It’s to understand the full picture before deciding what deserves a closer look.
Your financial picture, organized
More than an application.
As you move through the Capital Review, PrimeNova builds one evolving profile around your business, property, financing obligations, and goals.
A clearer view of what you may be able to do next.
Illustrative example
Your Capital Profile
- Goal
Expand into a second location
- Business
Established business
Strong monthly revenue
- Property
Residential equity identified
- Financial picture
Existing obligations considered
- Review status
Ready for PrimeNova Review
Your information stays connected in one place so PrimeNova can understand the complete picture before determining what deserves attention next.
Getting started is simple.
01
Tell us what you need
Start with what would make the biggest difference in your business.
02
Build your Capital Profile
We guide you through the business, property, and financial information that matters for your situation.
03
PrimeNova reviews the possibilities
We bring the full picture together and determine which financing direction deserves the closest look.
04
Move forward with clarity
When there’s a viable path, the PrimeNova team guides you through what comes next.
Sometimes the biggest difference is finding the right path.
Real business owners. Different situations. One goal: finding a better way forward.
Financing solutions
Different businesses need different kinds of capital.
Business Equity Bridge
Property-backed financing for more complex situations. A potential path when a standard HELOC structure may not be the strongest fit but meaningful property equity still exists.
Explore Equity BridgeBusiness Funding
Capital based on the strength and needs of the business. For businesses where business performance, revenue, and cash flow are the more relevant starting point.
Explore Business FundingYou don’t need everything figured out before you start.
Not sure what product you need?
You don’t have to choose one before starting.
Credit isn’t perfect?
That’s only one part of the financial picture.
Own more than one property?
We can consider different properties and ownership structures.
Already making business financing payments?
Include them. They’re part of understanding your cash flow.
Don’t have every document with you?
Start with the information you know. When documentation is needed, we’ll tell you exactly what remains.
Need to come back?
A started Capital Review is saved on this device, so you can return and continue. If you need help picking up later, contact PrimeNova.
Financing should fit the situation, not the other way around.
PrimeNova starts with the business and the complete financial picture, then looks for the strongest realistic financing direction before moving toward more expensive or complex alternatives.
A broader view
Business performance, property, obligations, credit, ownership, and goals.
Multiple possible paths
One situation may deserve more than one financing direction.
Real human review
Complex situations deserve more than a basic automated answer.
Guidance through the process
PrimeNova helps organize the information and move the process forward.
Questions
Straightforward answers.
How does PrimeNova help me access business financing?
PrimeNova starts with a Capital Review: you tell us about the business, what you’re trying to accomplish, and the full financial picture. We help determine which financing direction deserves a closer look. PrimeNova Financial is the customer-facing brand of PrimeNova Solutions, a business finance consulting firm — not a bank and not a direct lender.
Do I need to know which financing product I want?
No. Start with the business and what you want to accomplish. PrimeNova helps determine which financing direction deserves a closer look.
Do I need perfect credit?
Credit matters, but it is reviewed alongside the business, property, cash flow, ownership, and existing financing. Imperfect credit does not automatically end the review.
Do I need to own property?
No. Residential property equity can create a strong place to start, including a Business HELOC when it fits. If you do not own residential property, other business-focused financing directions may still deserve a look. The Capital Review is how we understand which path is even worth reviewing.
What if I own more than one property?
If you own more than one residential property, that can be part of the picture. Share what you know; more than one property can be considered.
Can PrimeNova consider commercial property or land?
A Business HELOC review starts with qualifying residential property. Depending on the situation, other property-backed opportunities — including commercial, mixed-use, or land — may deserve consideration as part of the broader picture.
What if my business already has financing?
Include it. Existing loans, lines of credit, daily or weekly payments, equipment financing, advances, and credit cards can have a major effect on how the business feels day to day. They are part of understanding cash flow, not something to hide from the review.
Will checking my options affect my credit?
Checking your options on this site does not impact your credit score. If you later move forward with a full lender application, any credit checks are disclosed before they happen.
What information will I need?
What you know today: how to reach you, whether you own residential property, a sense of value and liens if you have them, monthly revenue, a credit range, current business financing, and what the capital is for.
What happens after I complete my Capital Review?
PrimeNova receives the picture you provided, reviews the strongest direction, tells you if anything is missing, and helps guide next steps when there is a viable path. Completing the review is not a funding approval.
Is my information secure?
PrimeNova treats the information you share as part of a personalized review, not as something to handle casually. The review experience can include additional identity verification when appropriate. Completing a Capital Review is not a funding approval.
Your next move
You’ve already done the hard part.
You built the business.
Let’s figure out the capital.
Tell us where you are today and what you’re trying to accomplish. PrimeNova will help bring the full financial picture together and determine which opportunities are worth exploring.
Personalized Capital Review · Takes only a few minutes to start
PrimeNova Financial is the customer-facing brand of PrimeNova Solutions, a licensed business finance consulting firm, not a direct lender. This is not a commitment to lend. All rates, terms, and approvals depend on underwriting, eligibility, and program guidelines. Checking your options on this site does not impact your credit score. Information on this site is for general education and does not constitute financial, legal, or tax advice.