HELOC
Tap the equity in your home, on a 30-year horizon.
A home equity line of credit (HELOC) lets homeowners borrow against the equity already in their property. You qualify on your home and your credit, not your business statements, with access to up to 85% of your home’s value and repayment terms stretching to 30 years.
- Range
- Up to 85% LTV
- Terms
- Up to 30 years
- Speed
- 5 days
- Min FICO
- 640+
The short answer
How does a home equity line of credit work for business owners?
A home equity line of credit (HELOC) lets homeowners borrow against the equity already in their property. You qualify on your home and your credit, not your business statements, with access to up to 85% of your home’s value and repayment terms stretching to 30 years.
- Range
- Up to 85% LTV
- Terms
- Up to 30 years
- Speed
- 5 days
- Min FICO
- 640+
- Min revenue
- Not required
Last updated 2026-06-24
How it works
One application, three honest steps.
The same process powers every ICG product. HELOC adds nothing extra. See the full walkthrough →
Step 01
Apply
Three minutes online. No documents required to start. Soft credit pull only.
Step 02
Review
One ICG team underwrites your file against heloc criteria. You get a decision and indicative terms.
Step 03
Fund
Sign electronically. Funds wire to your operating account, typically within 24 hours of approval.
Who it’s for
Built for businesses that fit heloc.
If these four lines describe your business, you very likely qualify.
Eligibility snapshot
- Home ownership
- Required
- Max combined LTV
- Up to 85%
- Personal credit
- 640+ FICO
- Time to funding
- 5 days
Common use cases
Debt Consolidation
Roll high-interest credit cards and personal loans into a single lower-rate payment secured by your home.
Home Renovation
Fund a remodel, addition, or repair, and reinvest in the asset securing the line.
Major Expenses
Cover tuition, medical bills, or a large one-time purchase with flexible access to capital.
Business Investment
Tap personal home equity to inject capital into a business or seize a time-sensitive opportunity.
Compare
HELOC sits next to four other products.
One application routes you to the product that actually fits. Full side-by-side comparison →
| Product | Range | Speed | Best for |
|---|---|---|---|
| HELOCYou are here | Up to 85% LTV | 5 days | Debt Consolidation |
| Revenue Funding | $500K | 24 hours | Emergency Payroll |
| Term Loans | $500K | 24–48 hours | Business Expansion |
| Line of Credit | $250K | 24 hours | Seasonal Cash Flow |
| Bridge Capital | $500K | 24 hours | Real Estate Deposits |
| SBA Loans | $5M | 30–60 days | Business Acquisition |
FAQs about HELOC
The questions we hear most.
01What is a HELOC?
What is a HELOC?
A home equity line of credit is a revolving credit line secured by the equity in your home. You can draw funds, repay, and draw again during the draw period, paying interest only on the balance you’ve drawn.
02How much can I borrow?
How much can I borrow?
You can typically access up to 85% of your home’s value, minus the balance remaining on your existing mortgage. The exact line is determined by your home’s appraised value, your current mortgage balance, and your credit profile.
03How fast can I get funded?
How fast can I get funded?
A complete HELOC file is typically funded within about 5 days of application, faster than the multi-week timeline of a traditional bank home-equity product.
04Is my home used as collateral?
Is my home used as collateral?
Yes. A HELOC is a secured line of credit, your home serves as collateral. As with any home-secured loan, your property is at risk if you do not repay as agreed.
05What credit score do I need?
What credit score do I need?
A minimum 640 FICO is required to qualify. Stronger credit and more available equity generally improve your rate and available line.
By state
Available in every state we fund.
Each state page covers the local commercial financing disclosure rules, the SBA district office, and where to file UCCs for heloc.
- AlabamaAL
- AlaskaAK
- ArizonaAZ
- ArkansasAR
- CaliforniaCA
- ColoradoCO
- ConnecticutCT
- DelawareDE
- Washington, D.C.DC
- FloridaFL
- GeorgiaGA
- HawaiiHI
- IdahoID
- IllinoisIL
- IndianaIN
- IowaIA
- KansasKS
- KentuckyKY
- LouisianaLA
- MaineME
- MarylandMD
- MassachusettsMA
- MichiganMI
- MinnesotaMN
- MississippiMS
- MissouriMO
- MontanaMT
- NebraskaNE
- NevadaNV
- New HampshireNH
- New JerseyNJ
- New MexicoNM
- New YorkNY
- North CarolinaNC
- North DakotaND
- OhioOH
- OklahomaOK
- OregonOR
- PennsylvaniaPA
- Rhode IslandRI
- South CarolinaSC
- South DakotaSD
- TennesseeTN
- TexasTX
- UtahUT
- VermontVT
- VirginiaVA
- WashingtonWA
- West VirginiaWV
- WisconsinWI
- WyomingWY
Ready when you are
Apply for HELOC. Get an answer today.
Three minutes. Soft credit pull. One ICG team from application to wire.