SBA district office
Los Angeles District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering California businesses.
Visit SBA district pageHome Equity Line of Credit · California
Home Equity Line of Credit in California. Underwritten with local context.
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. Available to California businesses that meet ICG's underwriting criteria. Minimum FICO 640+, minimum revenue Not required.
- Max funding
- Up to 85% LTV
- Term
- Up to 30 years
- Time to fund
- 5 days
- Min FICO
- 640+
The short answer
Does ICG offer home equity line of credit in California?
Yes. ICG funds home equity line of credit for California businesses that meet our standard underwriting criteria. Minimum FICO 640+, minimum revenue Not required, and 6+ months in business.
Last updated 2026-06-24
California disclosure rules
California has a commercial financing disclosure law in force. ICG discloses APR on every offer regardless.
- Statute
- Cal. Fin. Code §§ 22800–22805 (SB 1235); 10 CCR §§ 900 et seq.
- Effective
- 2022-12-09
- Threshold
- ≤ $500,000
Providers of commercial financing of $500,000 or less to California small businesses must give consumer-style disclosures including amount financed, APR, finance charge, term, payment amount, and prepayment terms before consummation.
Read the Californiaregulator's pageCalifornia lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
California UCC filings
UCC-1 financing statements for Californiabusinesses are filed with the state's central filing office. Most ICG products require a UCC filing. See our UCC filing glossary entry for what to expect.
Open California UCC officeCalifornia context
Where California home equity line of credit typically lands. Local metros, local verticals.
Top California metros
- Los Angeles
- San Francisco
- San Jose
- San Diego
- Sacramento
- Orange County
- Fresno
- Bakersfield
Top California industries
- Restaurants & Hospitality
- Retail
- Healthcare
- Construction
Eligibility
What we look for in California files. Underwriting, in plain language.
- Own a home with available equity
- 640+ personal credit score
- Combined loan-to-value within 85%
- Verifiable income to support repayment
- No recent bankruptcies or foreclosures
Common questions
Home Equity Line of Credit in California. Honest answers, no fine print games.
QDoes ICG offer home equity line of credit in California?
Yes. ICG funds home equity line of credit for California businesses that meet our standard underwriting criteria. Minimum FICO 640+, minimum revenue Not required, and 6+ months in business.
QWhat disclosure laws apply to commercial financing in California?
California has enacted a commercial financing disclosure law (Cal. Fin. Code §§ 22800–22805 (SB 1235); 10 CCR §§ 900 et seq.), effective 2022-12-09. Providers of commercial financing of $500,000 or less to California small businesses must give consumer-style disclosures including amount financed, APR, finance charge, term, payment amount, and prepayment terms before consummation.
QHow fast does home equity line of credit fund for a California business?
5 days from signed contract for most California files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for California businesses?
UCC-1 financing statements for California businesses are filed with the state's central filing office (see https://www.sos.ca.gov/business-programs/ucc). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in California
Browse the rest of the catalog. Same state. Different shapes of capital.
ICG Funding (legal entity Infinite Capital Group) complies with applicable state commercial financing disclosure laws.
Ready when you are
Apply for home equity line of credit in California. 5 days to fund.
Quick application. Soft credit pull only. Real human review.