SBA district office
Iowa District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering Iowa businesses.
Visit SBA district pageHome Equity Line of Credit · Iowa
Home Equity Line of Credit in Iowa. 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 Iowa 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 Iowa?
Yes. ICG funds home equity line of credit for Iowa businesses that meet our standard underwriting criteria. Minimum FICO 640+, minimum revenue Not required, and 6+ months in business.
Last updated 2026-06-24
Iowa disclosure rules
Iowa has no state-specific commercial financing disclosure law. ICG discloses APR on every offer regardless.
Federal Truth in Lending Act (TILA) does not apply to commercial loans, and Iowa has not enacted a state-specific commercial financing disclosure regime as of 2026. ICG voluntarily discloses APR ranges and total repayment on every offer regardless of state mandate. See our transparency policy for the full disclosure framework.
Iowa lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
Iowa UCC filings
UCC-1 financing statements for Iowabusinesses 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 Iowa UCC officeIowa context
Where Iowa home equity line of credit typically lands. Local metros, local verticals.
Top Iowa metros
- Des Moines
- Cedar Rapids
- Davenport
Top Iowa industries
- Agriculture
- Manufacturing
- Healthcare
- Retail
Eligibility
What we look for in Iowa 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 Iowa. Honest answers, no fine print games.
QDoes ICG offer home equity line of credit in Iowa?
Yes. ICG funds home equity line of credit for Iowa 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 Iowa?
Iowa has not enacted a commercial financing disclosure law specific to non-bank lenders as of 2026. Federal Truth in Lending Act protections do not extend to commercial loans, but ICG voluntarily discloses APR ranges on every offer.
QHow fast does home equity line of credit fund for a Iowa business?
5 days from signed contract for most Iowa files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for Iowa businesses?
UCC-1 financing statements for Iowa businesses are filed with the state's central filing office (see https://sos.iowa.gov/businesses/uniform-commercial-code-ucc). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in Iowa
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 Iowa. 5 days to fund.
Quick application. Soft credit pull only. Real human review.