| Best for | Using home or investment-property equity for business purposes |
| Recent quotes | About 8.5%–9.9% fixed |
| Form | Line of credit or lump sum |
| Speed | Days to a few weeks |
| Note | Business purpose only; availability varies by state |
Typical ranges, not quotes. Final terms depend on the property, the borrower and the lender.
Not a fit: personal or consumer use. Vault only arranges business-purpose financing.
How it works
- Tell us what you need and what you have. No documents, no credit pull.
- We review the realistic options and walk you through each.
- You choose a path; we send one document list and secure a term sheet.
- We manage underwriting and closing alongside you.
Special situations
Credit scoreWhich loan types care about your FICO, which care more about the property, and what scores move pricing.How it gets solvedKeeping a low-rate firstSecond liens, junior revolvers and their limits: when your existing lender's consent matters and who will sit in second position.How it gets solved
Related programs
Second-Position and Subordinate LoansBorrow against your equity without touching a first mortgage you want to keep, usually because it has a low rate or a big prepayment penalty.View programCash-Out RefinanceTurn equity in property you already own into cash for your business, another purchase, or paying off expensive debt like merchant cash advances.View programTerm Loans and Lines of CreditWorking capital for operating businesses, plus a way out of stacked merchant cash advances.View program