Your home's equity, working for the business.
A business-purpose credit line secured by your home — residential property only. $50K–$2M at up to 90% LTV, valued automatically with no in-person appraisal, funded in about a week.
Three requirements. That's the list.
If the file clears these, the rest is process — not gatekeeping.
600+ FICO
A 600 minimum credit score, confirmed with a soft review that never touches your score.
A business bank account
Funds are deposited into a business account — required for business-purpose financing.
Residential property
The home must be held in your personal name or trust. Residential real estate only — no commercial collateral.
What could your
line look like?
Two numbers and a credit band — no application, no credit pull, nothing stored. The real offer comes from underwriting, but the math below is the same math we start with.
Illustrative estimate only — not an offer, quote, or commitment to lend. Actual line size is set by underwriting and automated valuation, subject to program limits.
Application to funding,
step by step.
Everything happens online — no branch visits, no printing, no waiting rooms. Scroll through the exact sequence your file follows.
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.
- Basic business info
- Property address
- Use of funds
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.
- Nothing to upload — the valuation is automated
This is where the 600 FICO minimum is confirmed, via soft pull.
Verify your income securely
Securely link your bank in a few clicks. No bank statements to upload, no tax returns required.
- Bank link (instant)
Review & sign online
We send your documents to review and e-sign from your phone or computer. No printing, no branch visits.
- Government-issued ID
Close with an online notary
A quick remote notary session finalizes everything from wherever you are. That's the closing — done online.
- Your ID again, on camera
Get funded
Your full amount is deposited to your business account. Use it to clear your MCA debt and put your equity to work.
- Business account routing details
Funds must land in a business account — have one open before closing.
The complete document list
No bank statements. No tax returns. No P&L packages. No appraisal reports on qualifying files.
Asked on almost
every call.
Straight answers — the same ones our desk gives by phone. Ask anything else at (561) 970-2830.
No. The initial review is a soft pull — it never touches your score. A hard inquiry only happens later in the process, after you've seen your offer and chosen to move forward.
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.