Capova CapitalCommercial HELOC
Larger balances

Commercial HELOC

An equity line against commercial property for established businesses — bigger checks and longer runway, underwritten on the strength of the business and its financials.

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30–45 days
to fund
$100K–$10M
Loan amount
680+
Minimum FICO
65–75%
Loan-to-value
At a glance

What it takes to
get started.

680+ FICO

Business tax returns, last 2–3 years

Personal returns and financial statement for each owner

The full list

Everything the file
will ask for.

Gather what you can before you apply — the desk works the rest with you. Nothing here is a surprise later.

Business documents

  • Business tax returns — last 2–3 years (extension letter if applicable)
  • Current year-to-date financials — balance sheet, profit & loss statement, and A/R + A/P aging reports
  • Business debt schedule — a simple list of your current loans and payments (we have a template to make this easy)
  • A short overview of your company — what you do, how long you've been in business
  • How you plan to use the funds

Personal documents — each owner / guarantor

  • Personal tax returns — last 3 years
  • Personal financial statement — a snapshot of your assets and liabilities

Send us the file.
We'll tell you straight.

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Capova Capital LLC. Business-purpose financing only — this is not a consumer loan, and it may not be used for a primary residence except where secured business-purpose lending permits. This is not a commitment to lend. Loan amounts, rates, leverage, and funding timelines are estimates, vary by file, and are subject to full underwriting.