Business HELOCFile closed
HVAC contractor · Tampa, FL
- Open positions
- 3 advances · $212,000
- Structure
- HELOC at 88% LTV
- Daily debits after
- $0
- Cash flow recovered
- $9,400 / mo
Closed in 8 days
Capova Capital · Private Business Funding
Capital, credit, and structure — under one roof.
Capova Capital is a private funding firm for business owners. Business-purpose HELOCs, SBA 7(a), bridge funding in under 24 hours, DSCR, and more — one desk reviews your file against every option.
Business-purpose financing. No impact to credit for an initial review. Subject to underwriting.
6
Funding products, one desk
12–24 hrs
Bridge funding, application to wire
5–11 days
Business HELOC, application to funding
$5K–$10M
Funding range across programs
01 — The Product LineSix ways to fund
Six ways to fund
a business.
Scroll through the full lineup — what each product is, what it takes to pre-qualify, and how fast it funds. One desk reviews every file against all six.
PRODUCT 01
Business-Purpose HELOC
5–11 daysto fund
A credit line secured by the equity in your home, built strictly for business use — this is not a consumer loan. Most owners use it to retire expensive MCA balances and put their equity to work.
Business-Purpose HELOCFlagship
$25K–$750K
Loan amount
1st–2nd
Lien position
AVM-style
Appraisal
To pre-qualify
- Borrower runs a business
- DTI at or below 50%
- No tax returns — instant bank link at 680+ FICO
PRODUCT 02
Commercial HELOC
30–45 daysto fund
An equity line against commercial property for established businesses — bigger checks and longer runway, underwritten on the strength of the business and its financials.
Commercial HELOCLarger balances
$100K–$10M
Loan amount
680+
Minimum FICO
65–75%
Loan-to-value
To pre-qualify
- 680+ FICO
- Business tax returns, last 2–3 years
- Personal returns and financial statement for each owner
PRODUCT 03
SBA 7(a) Loans
45–60 daysto close
The workhorse of small-business lending — acquisitions, commercial real estate, equipment, working capital, refinances, and partner buyouts. The heaviest paperwork of anything we do, and we walk you through every page of it.
SBA 7(a) LoansGovernment-guaranteed
20%+ owners
Owner coverage
2–3 yrs financials
History
Owner cash in
Injection
To pre-qualify
- 2–3 years of revenue and net income history
- Details on every owner at 20% or more
- Use of proceeds broken out by dollar amount
PRODUCT 04
Hard Money Loans
Deal by dealpriced per file
Collateral-first lending secured by real estate. Approval is driven by the asset and the exit strategy — not tax returns or personal income — so files that don't fit a box can still get done.
Hard Money LoansAsset-based
Collateral-first
Underwriting
Light
Docs
Per file
Structure
To pre-qualify
- Real estate collateral with equity
- A clear exit strategy
- Bring us the deal — every file is priced individually
PRODUCT 05
Bridge Funding
12–24 hrsto fund
Short-term working capital for when timing is everything — payroll, inventory, a contract deposit, a closing that can't wait. One application, three bank statements, funded in under a day.
Bridge FundingUnder 24 hours
$5K–$5M
Funding amount
One page
Application
3 months
Statements
To pre-qualify
- Completed application
- Last 3 months of business bank statements
- Month-to-date statement if it's past the 15th
PRODUCT 06
DSCR Loans
2–4 weeksto fund
Rental-property financing that qualifies on the property's cash flow, not your personal income. No tax returns, no W-2s, no employment verification. Business-purpose only — never a primary residence.
DSCR LoansInvestment property
Property cash flow
Qualifies on
None
Tax returns
Purchase / refi / cash-out
Structure
To pre-qualify
- Investment property — purchase, rate/term, or cash-out
- Rents that carry the payment
- Entity borrower, or willing to form one
THE RIGHT FIT
Capital accessed
From equity-backed credit lines to same-day bridge capital, Capova Capital moves business owners from need to execution.
One desk, six answersSubject to underwriting
Not sure which product fits your file? Send it in — the same team reviews every option and comes back with the structure that actually works.
Start Your Funding ReviewCredit standing in the way? Our credit repair desk gets files fund-ready →
Capova Capital LLC. Business-purpose financing only — none of the products above are consumer loans, and none may 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.
The Payoff MathWhat do your daily debits
What do your daily debits
actually cost you?
Two numbers from your bank activity. We'll show you the monthly cash flow an equity-backed payoff could hand back.
Debit days per week
Monthly cash flow freed
$ —
Enter your balances and daily debit to see the math.
Illustrative math at 12.9% APR over 10 years — not an offer or quote. Actual terms set by underwriting. Assumes debits stop when balances are paid off with HELOC proceeds you control.
Closed FilesThe math, not
The math, not
the marketing.
Representative files from the desk. Details anonymized; the numbers are the point.
Business HELOCFile closed
Wholesale distributor · Newark, NJ
- The need
- $85,000 · inventory deadline
- Structure
- Revolving line, drawn as needed
- Offer delivered
- Same day, automated valuation
- After payoff
- Line stays open for the next buy
Closed in 7 days
Credit Repair → HELOCFile closed
Restaurant group · Houston, TX
- Starting FICO
- 547
- Engagement
- 2 dispute cycles · 11 items removed
- FICO at day 74
- 631
- Outcome
- $140,000 line funded
Funding-ready in 74 days
Illustrative composite files based on typical deal structures. Individual results vary and are subject to underwriting. Not a guarantee of terms, timelines, or outcomes.
02 — Underwriting · Business HELOCTurn your home equity into
Turn your home equity into
business capital.
A simple, mostly-online way to pay off costly MCA debt and free up your cash flow. Here's how it works.
01~5 minutes
Answer a few quick questions
Tell us about your business, your home, and how you'll use the funds. Most owners use it to pay off expensive MCA balances and free up cash flow.
02Same day
Get an instant offer
We value your home automatically — no in-person appraisal needed. You'll see your available credit line and rate right away, with no impact from a simple soft review.
031–2 days
Verify your income securely
Securely link your bank in a few clicks. No bank statements to upload, no tax returns required.
04Same day
Review & sign online
We send your documents to review and e-sign from your phone or computer. No printing, no branch visits.
05~10 minutes
Close with an online notary
A quick remote notary session finalizes everything from wherever you are. That's the closing — done online.
065–11 days total
Get funded
Your full amount is deposited to your business account. Use it to clear your MCA debt and put your equity to work.
No appraisal needed
Your home is valued automatically.
Funds in 5–11 days
From application to money in the bank.
Built for business owners
Business-purpose financing, not a consumer loan.
Capova Capital LLC. Business-purpose financing secured by residential real estate. This is not a commitment to lend and not a consumer mortgage product. Home valuation is automated for lines within program limits; larger requests may require an appraisal. Funding timelines are estimates and vary by file. Property must be held in the borrower's personal name or trust.
How We OperateBuilt like the firms
Built like the firms
we'd borrow from.
Standards first, volume second. These four commitments apply to every file that crosses the desk.
Soft pull to start — always
Checking your options never touches your credit. A hard inquiry happens only after you've seen terms and chosen to proceed.
Your documents, handled properly
Files move over encrypted connections and are used for one purpose: underwriting your request. No selling data, no marketing lists, no surprises.
A human desk, not a portal
Every file is reviewed by a person you can reach — 24 hours a day, 365 days a year. One desk owns your deal from application through funding — sales@capovacapital.biz reaches them directly.
Terms in writing, before you sign
Every structure is put on paper with the full cost visible. If a deal doesn't make sense for the business, we say so.
Common questionsAsked at the desk,
Asked at the desk,
every week.
If your question isn't here, email sales@capovacapital.biz — a person answers, not an autoresponder.
No. The initial review uses a soft pull, which has zero impact on your credit score. A hard pull only happens later, with your written consent, once you've seen terms and want to move forward.
03 — The FoundersBuilt by operators,
Built by operators,
not a call center.
Capova Capital was founded by people who have sat on the business owner's side of a funding call. Every file that comes in crosses a founder's desk.
Meet the founders
04 — ContactSpeak with
Speak with
the desk.
A short email is usually enough to tell you whether a file fits — and which instrument it fits. No impact to credit for an initial review.
Email the desk- Hours
- 24 hours a day, 365 days a year
- Response
- The desk answers 24 hrs a day, 365 days a year