Your home's equity, working for the business.
A business-purpose credit line secured by your home — residential property only. $25K–$750K in 1st or 2nd lien position, valued AVM-style with no in-person appraisal and no tax returns.
Three requirements. That's the list.
If the file clears these, the rest is process — not gatekeeping.
You run a business
Funds are for business purposes only and are deposited into a business account — that requirement is what keeps this outside consumer mortgage rules.
DTI at or below 50%
Debt-to-income is the gate. Your credit band then sets how much combined loan-to-value the property can carry.
Residential property
The home must be held in your personal name or trust. Residential real estate only — no commercial collateral. 1st and 2nd lien positions are workable; we do not take third position.
What could your
line look like?
Two numbers and a credit band — no application, no credit pull, nothing stored. The real offer comes from underwriting, but the math below is the same math we start with.
Illustrative estimate only — not an offer, quote, or commitment to lend. Actual line size is set by underwriting and automated valuation, subject to program limits.
Application to funding,
step by step.
Everything happens online — no branch visits, no printing, no waiting rooms. Scroll through the exact sequence your file follows.
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.
- Basic business info
- Property address
- Use of funds
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.
- Nothing to upload — the valuation is automated
A soft review sets your credit band, which drives the maximum combined loan-to-value the file can carry.
Verify your income securely
Link your bank securely in a few clicks — a Plaid connection verifies income instantly for files at 680+ FICO. Below that, recent business bank statements do the same job. No tax returns either way.
- Instant bank link (Plaid) at 680+ FICO
- or recent business bank statements
Review & sign online
We send your documents to review and e-sign from your phone or computer. No printing, no branch visits.
- Government-issued ID
Close with an online notary
A quick remote notary session finalizes everything from wherever you are. That's the closing — done online.
- Your ID again, on camera
Get funded
Your line is available and funds are deposited to your business account. Use it to clear your MCA debt and put your equity to work.
- Business account routing details
Funds must land in a business account — have one open before closing.
The complete document list
No tax returns. No P&L packages. No appraisal reports on qualifying files. Additional financials only if the file calls for them.
Asked on almost
every call.
Straight answers — the same ones our desk gives every day. Ask anything else at sales@capovacapital.biz.
No. The initial review is a soft pull — it never touches your score. A hard inquiry only happens later in the process, after you've seen your offer and chosen to move forward.
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.