Home Equity Line of Credit (HELOC)
Unlock the value of real estate without disrupting ownership
Home Equity Line of Credit (HELOC)
At United Capital America, we provide flexible, interest-only lines of credit secured by investment properties — designed for business owners, real estate investors, and entrepreneurs looking to access liquidity without refinancing or selling their assets.
Whether you need working capital, want to acquire new properties, or consolidate higher-cost debt, a HELOC offers an intelligent, asset-backed solution with total flexibility.
Program Highlights
Credit Line Amounts:
$250,000 to $5,000,000+
(Larger lines available on a case-by-case basis)
Eligible Property Types:
- Single-Family Residences (Non-Owner Occupied)
- 2–4 Unit Investment Properties
- Condominiums & Townhomes
- Mixed-Use Properties
- Small Multifamily (5–19 Units)
- Commercial (Retail, Office, Warehouse)
- Industrial and Special-Use (Case-by-case)
Geographic Coverage:
All 50 U.S. States (Excluding AK, ND, SD, and VT)
Line Terms:
- Interest-only for up to 10 years
- Draw periods up to 5 years
- Renewable at maturity
- Revolving access to funds
- No monthly principal requirement during draw period
LTV / Leverage Guidelines:
- Up to 75% Loan-to-Value
- Combined LTV may vary based on property type, DSCR, and use of funds
Repayment Options:
- Monthly interest-only payments
- Principal reductions allowed anytime
- No prepayment penalties
Speed:
- Funding in as little as 10–14 business days
- Streamlined application process
- Minimal documentation compared to traditional real estate loans
Ideal Use Cases
This HELOC program is ideal for borrowers looking to:
- Access working capital for their business
- Bridge real estate purchases
- Consolidate higher-cost merchant debt
- Finance capital improvements or repairs
- Buy out partners or restructure real estate portfolios
- Leverage existing equity while maintaining low monthly payments
Whether you need working capital, want to acquire new properties, or consolidate higher-cost debt, a HELOC offers an intelligent, asset-backed solution with total flexibility.
Program Highlights
Credit Line Amounts:
$250,000 to $5,000,000+
(Larger lines available on a case-by-case basis)
Eligible Property Types:
- Single-Family Residences (Non-Owner Occupied)
- 2–4 Unit Investment Properties
- Condominiums & Townhomes
- Mixed-Use Properties
- Small Multifamily (5–19 Units)
- Commercial (Retail, Office, Warehouse)
- Industrial and Special-Use (Case-by-case)
Geographic Coverage:
All 50 U.S. States (Excluding AK, ND, SD, and VT)
Line Terms:
- Interest-only for up to 10 years
- Draw periods up to 5 years
- Renewable at maturity
- Revolving access to funds
- No monthly principal requirement during draw period
LTV / Leverage Guidelines:
- Up to 75% Loan-to-Value
- Combined LTV may vary based on property type, DSCR, and use of funds
Repayment Options:
- Monthly interest-only payments
- Principal reductions allowed anytime
- No prepayment penalties
Speed:
- Funding in as little as 10–14 business days
- Streamlined application process
- Minimal documentation compared to traditional real estate loans
Ideal Use Cases
This HELOC program is ideal for borrowers looking to:
- Access working capital for their business
- Bridge real estate purchases
- Consolidate higher-cost merchant debt
- Finance capital improvements or repairs
- Buy out partners or restructure real estate portfolios
- Leverage existing equity while maintaining low monthly payments
Diversify Your Real Estate Funding Approach
Qualification Overview
Minimum Credit Score:
660+ (FICO)
Ownership Structure:
- Title can be held personally or in LLC / Corp
- Use of funds can be for personal or business purposes
Appraisal:
- Required on most transactions
- BPO or AVM accepted on smaller lines
Documentation:
- Bank statements, lease agreements, property docs
- No tax returns or full financials required in most cases
Experience:
- Real estate ownership or business history preferred
- Not limited to full-time real estate professionals
Why a HELOC Instead of a Traditional Loan?
A traditional mortgage or cash-out refinance often requires higher documentation, resets your long-term amortization schedule, and may involve escrow accounts or closing costs. A HELOC offers:
- No need to refinance your primary mortgage
- Access to cash without increasing your monthly debt load
- Total control over how and when you draw
- A flexible structure that can grow with your business
Let’s Talk Options
If you own real estate and want to explore how a HELOC could strengthen your cash position, we’d be glad to walk you through the numbers. Our team can prequalify you quickly and structure the line based on your goals, timelines, and overall portfolio strategy.
Have a property in mind?
Use the form below to submit documentation for underwriting.
Your information will remain confidential and will not trigger a credit pull unless you approve.
Ready to move forward?
Complete our Business Registration Form and select Real Estate Financing
