Credit available as needed.
Draw against an approved limit during the draw period. Availability and repayment follow the agreement.
Business HELOC
Put home equity behind your next business move.
Access a line of credit secured by residential property for expansion, working capital, or a defined business investment.
Property equity
Estimate your home equity.
Gross equity is property value minus the mortgage and other liens. It is different from the credit limit you may be offered.
The calculator is optional. You can start your application with the property information you have.
Go directly to the applicationProperty equity calculator
Gross property equity
$0
Value minus mortgage and any additional liens.
Calculated from the values you enter. Available credit is subject to property valuation, lending limits, credit, income, and underwriting.
Continue to HELOC ApplicationPlan for the full payment.
Review the monthly obligation, rate adjustments, fees, and the transition into principal repayment.
Property supports the line.
Equity, existing liens, property eligibility, income, and credit determine the available structure.
From request to decision
A clear path to your HELOC.
A property-backed request needs its own review. Begin here without completing a general business-capital application.
Start HELOC Application- 1
Submit your application
Provide property details, business information, income, and your financing request.
- 2
Complete the property and financial review
Confirm ownership, valuation, liens, and repayment capacity. Additional documents may be requested.
- 3
Review the written terms
Evaluate the credit limit, interest rate, draw period, repayment schedule, fees, and closing requirements.
Prepare your request
The details that move the review forward.
Have your property address, mortgage balance, annual income, business revenue, and requested amount ready.
Review home equity terms and considerationsDefine the business purpose.
- Expand a location or complete renovations
- Fund inventory, equipment, or working capital
- Finance an acquisition or planned investment
- Compare refinancing terms, total cost, and lien requirements
Choose an amount that supports the project and leaves room for the ongoing payment.
Before you apply
Home equity, clearly explained.
Understand the application, repayment, and property commitment.
Do I need to use the calculator before applying?
No. Start the HELOC application directly. You will provide property ownership, mortgage balances, income, and the amount you want to request.
Will my existing mortgage affect the credit line?
Yes. Your first mortgage and any other property liens count toward the combined loan-to-value limit. Property value alone does not determine how much credit is available.
How does repayment work?
Your agreement sets the draw period, payment schedule, and repayment period. Variable rates and the start of principal repayment can increase the payment. Review the full schedule and fees before accepting.
Can I use a HELOC for business expenses?
A HELOC may support business expenses when the agreement permits that use. Discuss your planned use of funds with LIVC Group as part of your request.
What happens after I apply?
LIVC Group reviews your property and financial information and follows up on any documents needed. Available financing is subject to underwriting. Submitting an application does not commit you to accepting an offer.
Business HELOC
Move your request forward.
Start the dedicated home equity application with your property and business details.