SBA district office
Kansas City District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering Missouri businesses.
Visit SBA district pageHome Equity Line of Credit · Missouri
Home Equity Line of Credit in Missouri. 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 Missouri 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 Missouri?
Yes. ICG funds home equity line of credit for Missouri businesses that meet our standard underwriting criteria. Minimum FICO 640+, minimum revenue Not required, and 6+ months in business.
Last updated 2026-06-24
Missouri disclosure rules
Missouri has a commercial financing disclosure law in force. ICG discloses APR on every offer regardless.
- Statute
- Mo. Rev. Stat. § 427.300 (SB 1359 / Missouri Commercial Financing Disclosure Law)
- Effective
- 2025-02-28
- Threshold
- ≤ $500,000
Providers consummating more than five commercial financing transactions per year in Missouri must give written disclosures of amount financed, total cost, payments, and prepayment terms; brokers must register and post a $10,000 surety bond.
Read the Missouriregulator's pageMissouri lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
Missouri UCC filings
UCC-1 financing statements for Missouribusinesses 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 Missouri UCC officeMissouri context
Where Missouri home equity line of credit typically lands. Local metros, local verticals.
Top Missouri metros
- Kansas City
- St. Louis
- Springfield
Top Missouri industries
- Manufacturing
- Agriculture
- Healthcare
- Trucking
Eligibility
What we look for in Missouri 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 Missouri. Honest answers, no fine print games.
QDoes ICG offer home equity line of credit in Missouri?
Yes. ICG funds home equity line of credit for Missouri 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 Missouri?
Missouri has enacted a commercial financing disclosure law (Mo. Rev. Stat. § 427.300 (SB 1359 / Missouri Commercial Financing Disclosure Law)), effective 2025-02-28. Providers consummating more than five commercial financing transactions per year in Missouri must give written disclosures of amount financed, total cost, payments, and prepayment terms; brokers must register and post a $10,000 surety bond.
QHow fast does home equity line of credit fund for a Missouri business?
5 days from signed contract for most Missouri files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for Missouri businesses?
UCC-1 financing statements for Missouri businesses are filed with the state's central filing office (see https://www.sos.mo.gov/ucc). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in Missouri
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 Missouri. 5 days to fund.
Quick application. Soft credit pull only. Real human review.