The capital is
already in the house.
Aquify places business-purpose home equity lines for owners across 34 states. Your first mortgage and its rate stay exactly where they are. The equity goes to work in the business.
Reviewed by Jonathan Carreno — 600+ deals, $55M+ funded.
Same person from the first call to the closing table · (619) 277-5736
Estimate your available equity
You may be able to access
$280,000
Based on 80% combined loan-to-value. An estimate, not an offer.
Encrypted end to end. No credit pull. We never ask for a Social Security number on this site.
What it funds
Business uses only — and that is the point.
This is a business-purpose line. That restriction is exactly what makes it fast: no consumer mortgage underwriting, no three-week disclosure cycle, and nothing happens to your first mortgage.
Pay off an advance
OnDeck, QuickBooks Capital, a stacked MCA, business credit cards. Replace daily debits with one monthly payment over years.
Working capital
Cover payroll, rent, and operating gaps without factoring receivables.
Inventory & equipment
Buy ahead of a season, or replace the machine that keeps breaking.
Acquisition
Fund a buyout, a book of business, or a partner's exit.
Expansion
A second location, a build-out, or the hire that pays for itself.
Marketing & growth
Spend into a channel that is already working, without a punishing cost of capital.
What it cannot fund. Personal use of any kind — home renovation, personal credit cards, tuition, or paying down the mortgage on the property. Those are consumer purposes and this program does not permit them. If that is what you actually need, tell us and we will point you elsewhere rather than write it wrong.
Free tool · no email required
What is that advance actually costing you?
Advances are quoted as a factor rate, which is not a rate at all. Put your real terms in and see the annualized number nobody puts on the term sheet.
The advance
Effective annualized rate
95%
Assumes weekday debits over the stated term. The factor rate is not an interest rate.
Out of the operating account
$23,333/mo
Debited daily or weekly, not monthly.
A business-purpose line
Effective annualized rate
11.5%
A rate quoted as a rate, on a line that amortizes.
Out of the operating account
$1,752/mo
Total if carried the full 15 years: $315,411.
Read this before you decide anything. Carried the full fifteen years the line costs more in total than the advance does — $315,411 against $210,000. The advance is cheaper on paper if the business can survive the payback window with that much leaving the account every month, and that is the part that usually breaks. The line trades total cost for breathing room, and because there is no prepayment penalty most owners pay it down well before term and never reach that number. Illustration only, using the terms you entered and an assumed line rate. Your actual rate, term, and fees are set by the lender.
Want this as a one-pager you can sit with?
We will email you this breakdown plus a plain-English guide to the program — what it costs, what you need, and what it will not do. No call required, no obligation.
Or skip ahead — see what you qualify for.
Three ways in
It depends on what you own.
Every one of these is business-purpose financing. What changes is the asset we secure it against — your home, your rentals, or the business itself.
Business-purpose HELOC
A standalone line behind your existing mortgage. You keep the first mortgage and its rate; the line sits in second or third position and funds the business.
- $25,000 to $750,000
- Terms of 10, 15, 20, or 30 years
- Soft inquiry to see numbers — no credit impact
- Fees roll into the line, nothing out of pocket
- Up to 80% CLTV on a primary, 70% on an investment property
- From a 600 FICO on a primary residence, 680 on an investment
- Sits in 2nd or 3rd position — your first mortgage is untouched
- Redraw as you pay it down, $500 minimum
Best fit: an owner carrying an advance, a stacked MCA, or business credit-card debt — or one who needs cheaper capital than the business side will quote.
DSCR financing
Qualify on the property's rent instead of your tax returns. For investors adding doors without putting personal income under a microscope.
Check a property You own neitherBusiness financing
No real estate to borrow against? SBA-backed term debt, equipment finance, and working capital lines. We tell you which one fits before you apply anywhere.
Tell us about the businessHow it goes
Four steps, and you are only responsible for the first one.
Nothing touches your credit until you have seen real numbers and told us to proceed. You will be warned before it does.
Five questions
Property, how it is held, how much, and what the business needs it for. Five minutes, no documents.
Soft inquiry
We run the scenario on a soft pull. It does not touch your score, and you see real numbers before committing to anything.
You pick, or you don't
Line size, term, rate, and origination fee side by side. Walking away here costs you nothing.
Verify and close
Link accounts for income, sign with a remote notary, funds by ACH. Often inside five business days.
Recent placements
What this actually looks like.
Names withheld, numbers not. Every one of these closed on the same five-question start you are looking at.
$180,000
Restaurant group · Tampa, FL
Replaced two stacked advances that were pulling $31,000 a month. New payment: under $2,200.
$95,000
HVAC contractor · Charlotte, NC
Bought two trucks and a season of inventory ahead of summer without touching a 3.1% first mortgage.
$420,000
Dental practice · Dallas, TX
Funded a partner buyout in eleven days when the SBA route was quoting ninety.
Where we can work
34 states and the District of Columbia.
We only take applications where our lending partners can originate. If the property sits outside this list, the very first question in the form tells you before you spend time on it.
Aquify Group arranges business-purpose loans secured by residential real estate and operates under a small-business exemption in the jurisdictions listed. Aquify Group is not a lender, does not make credit decisions, and does not fund loans. Because these are business-purpose loans, they are not subject to the consumer protections of the Truth in Lending Act or RESPA. Nothing here is a commitment to lend. Aquify Group · 39 Wooster Street, New York, NY 10013
Before you start
The questions everyone asks.
If yours is not here, call. You will reach a person who can answer it.
Can I use an investment property, or does it have to be my home?
Both work. What changes is how much of the equity you can reach — lenders price a property you live in differently from one you rent out.
| Primary residence | Second home / investment | |
|---|---|---|
| Typical max CLTV | 80% | 70% |
| Best case | 85% | 80%, first lien only |
| Minimum FICO | 600 | 680 |
Best case is genuinely an exception, not a target — it needs a top credit tier, the right lien position, and the right property. We quote you against the typical column and treat anything above it as upside.
What credit score do I need?
600 on a primary residence, 680 on a second home or investment property. Between 600 and 639 the program still works but the box is smaller — owner-occupied only, second lien, and a lower cap on the line.
Under 600, this particular product is not the answer, and we will say so on the first call rather than run you through an application. There are other products on the business side that do work at lower credit, and that conversation costs you nothing. Either way, seeing where you stand is a soft inquiry — invisible to your score. A hard pull only happens once you have real numbers in front of you and tell us to proceed.
How do you get paid, and what does it cost me up front?
Two ways, and you see both in writing before you commit. The lender pays us a placement fee when a line funds. Depending on the file, we may also charge a broker fee — it varies by scenario, and we quote it to you as a number, not a percentage you have to work out. Out of pocket at closing is nothing: the origination fee rolls into the line rather than coming out of your account. Nothing is owed to talk to us, nothing is owed to see your options, and you will never learn about a fee at the closing table.
Does my first mortgage change?
No. This is a standalone line sitting behind your existing mortgage in second or third position. Your first mortgage, its rate, and its payment are untouched. That is usually the whole reason people choose this over a cash-out refinance.
Why does the money have to go to the business?
Because business-purpose lending sits outside the consumer mortgage rules, which is what lets it close in days instead of weeks. The trade-off is real and worth stating plainly: you give up TILA and RESPA consumer protections, and the proceeds genuinely have to be used for business purposes. You certify that in the application.
What could go wrong?
The valuation comes back lower than you expect and the line shrinks — it is an automated model, not an appraiser walking your house. Your debt-to-income lands over 50% and the amount gets cut. Or the property type is ineligible and we find out at the wrong moment. We check all three before running anything, which is why the first conversation is a conversation and not a form submission.
What do you need from me?
To see numbers: the property, how title is held, and how to reach you. To submit the inquiry: your legal name, date of birth, and the last four of your Social Security number. To close: linked accounts for income verification and a remote notary session.
Find out what the house can do.
Five minutes, no credit impact, and a real answer from a person rather than an automated maybe.
Or call (619) 277-5736 · Mon–Fri, 8am–7pm ET
