Business HELOCFile closed
HVAC contractor · Tampa, FL
- Open positions
- 3 advances · $212,000
- Structure
- HELOC at 88% LTV
- Daily debits after
- $0
- Cash flow recovered
- $9,400 / mo
Closed in 8 days
Capova Capital · Private Business Funding
Capital, credit, and structure — under one roof.
Capova Capital is a private funding firm for business owners. We turn home equity into business credit lines and repair the credit that stands in the way.
Business-purpose financing. No impact to credit for an initial review. Subject to underwriting.
~7 days
Business HELOC, application to funding
600+
Minimum FICO
90%
Loan-to-value, up to
$50K–$2M
Funding range
01 — The Capital PathwayWatch your funding
Watch your funding
take shape.
Scroll to see how a business goes from needing capital to a structured funding solution — the way it actually happens at Capova.
STEP 01
Business need identified
Tell us what your business needs, how quickly you need capital, and what structure you are looking for.
Business profileIntake
Funding need$250,000
TimelineWithin 7 days
CollateralPrimary residence
Monthly revenue$185,000
Existing positions2 MCA advances
Profile completeness0%
STEP 02
Capital route selected
Capova Capital reviews the full picture and identifies the funding path that makes the most sense for the business.
Capital routesEvaluating
Business HELOCBest fit
Credit Repair
Working Capital
Equipment Financing
Asset-Based Lending
STEP 03
Structure built
We structure the option around speed, collateral, cash flow, and the business owner's goals.
Funding structureAssembling
ProductBusiness HELOC
SpeedFunds in as fast as 7 days
CollateralResidential equity · up to 90% LTV
Use of fundsMCA payoff + working capital
Estimated fitStrong — subject to underwriting
DocumentationBank statements · property info
STEP 04
Review & approval path
Once the file is reviewed, qualified businesses are matched with available funding options subject to underwriting.
File reviewIn motion
Application received
Documents reviewed
Funding option matched
Terms reviewed
Approval path opened
STEP 05
Capital accessed
From home equity–backed credit lines to credit remediation, Capova Capital helps business owners move from need to execution.
Capital readySubject to underwriting
0 days
HELOC funding, as fast as
0+
Minimum FICO
0%
LTV, up to
No-appraisal options available on qualifying files.
Start Your Funding ReviewThe Payoff MathWhat do your daily debits
What do your daily debits
actually cost you?
Two numbers from your bank activity. We'll show you the monthly cash flow an equity-backed payoff could hand back.
Debit days per week
Monthly cash flow freed
$ —
Enter your balances and daily debit to see the math.
Illustrative math at 12.9% APR over 10 years — not an offer or quote. Actual terms set by underwriting. Assumes debits stop when balances are paid off with HELOC proceeds you control.
02 — What We OfferTwo instruments,
Two instruments,
one desk.
Every file is reviewed by the same team, so funding, credit, and structure work together instead of in sequence.
Closed FilesThe math, not
The math, not
the marketing.
Representative files from the desk. Details anonymized; the numbers are the point.
Business HELOCFile closed
Wholesale distributor · Newark, NJ
- The need
- $85,000 · inventory deadline
- Structure
- Revolving line, drawn as needed
- Offer delivered
- Same day, automated valuation
- After payoff
- Line stays open for the next buy
Closed in 7 days
Credit Repair → HELOCFile closed
Restaurant group · Houston, TX
- Starting FICO
- 547
- Engagement
- 2 dispute cycles · 11 items removed
- FICO at day 74
- 631
- Outcome
- $140,000 line funded
Funding-ready in 74 days
Illustrative composite files based on typical deal structures. Individual results vary and are subject to underwriting. Not a guarantee of terms, timelines, or outcomes.
03 — Underwriting · Business HELOCTurn your home equity into
Turn your home equity into
business capital.
A simple, mostly-online way to pay off costly MCA debt and free up your cash flow. Here's how it works.
01~5 minutes
Answer a few quick questions
Tell us about your business, your home, and how you'll use the funds. Most owners use it to pay off expensive MCA balances and free up cash flow.
02Same day
Get an instant offer
We value your home automatically — no in-person appraisal needed. You'll see your available credit line and rate right away, with no impact from a simple soft review.
031–2 days
Verify your income securely
Securely link your bank in a few clicks. No bank statements to upload, no tax returns required.
04Same day
Review & sign online
We send your documents to review and e-sign from your phone or computer. No printing, no branch visits.
05~10 minutes
Close with an online notary
A quick remote notary session finalizes everything from wherever you are. That's the closing — done online.
06~7 days total
Get funded
Your full amount is deposited to your business account. Use it to clear your MCA debt and put your equity to work.
No appraisal needed
Your home is valued automatically.
Funds in about a week
From application to money in the bank.
Built for business owners
Business-purpose financing, not a consumer loan.
Capova Capital LLC. Business-purpose financing secured by residential real estate. This is not a commitment to lend and not a consumer mortgage product. Home valuation is automated for lines within program limits; larger requests may require an appraisal. Funding timelines are estimates and vary by file. Property must be held in the borrower's personal name or trust.
How We OperateBuilt like the firms
Built like the firms
we'd borrow from.
Standards first, volume second. These four commitments apply to every file that crosses the desk.
Soft pull to start — always
Checking your options never touches your credit. A hard inquiry happens only after you've seen terms and chosen to proceed.
Your documents, handled properly
Files move over encrypted connections and are used for one purpose: underwriting your request. No selling data, no marketing lists, no surprises.
A human desk, not a portal
Every file is reviewed by a person you can call — 24 hours a day, 365 days a year. One desk owns your deal from application through funding — (561) 970-2830 reaches them directly.
Terms in writing, before you sign
Every structure is put on paper with the full cost visible. If a deal doesn't make sense for the business, we say so.
Common questionsAsked at the desk,
Asked at the desk,
every week.
If your question isn't here, call (561) 970-2830 — a person answers, not a phone tree.
No. The initial review uses a soft pull, which has zero impact on your credit score. A hard pull only happens later, with your written consent, once you've seen terms and want to move forward.
04 — The FoundersBuilt by operators,
Built by operators,
not a call center.
Capova Capital was founded by people who have sat on the business owner's side of a funding call. Every file that comes in crosses a founder's desk.
Meet the founders
05 — ContactSpeak with
Speak with
the desk.
A fifteen-minute call is usually enough to tell you whether a file fits — and which instrument it fits. No impact to credit for an initial review.
Call (561) 970-2830- Phone
- (561) 970-2830
- Hours
- 24 hours a day, 365 days a year
- Response
- The desk answers 24 hrs a day, 365 days a year