BUSINESS & INVESTOR HELOC · 1ST, 2ND & 3RD POSITION

Investor & Business HELOC: Up to $400K in 5 Business Days, Keep Your 1st Mortgage

Tap Up to $400,000 in 5 Business Days — Keep Your Low-Rate 1st Mortgage

Flexible 6%–11% APR revolving lines from $25,000 to $750,000 on Primary, Secondary & Investment Properties (1–4 Units) — even those owned by an LLC or Corporation. Same-day offers, no tax returns with Plaid bank login, and on lines up to $400,000: no appraisal and closing in as few as 5 business days.

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No appraisal up to $400,000 No credit pull to apply 5-day closing on lines up to $400,000
$25K – $750K Max per borrower · 5-day close up to $400K
6% – 11% APR Fixed & variable · 10 to 30-yr terms
85% / 80% / 70% 1st, 2nd & 3rd lien CLTV
No Appraisal Up to $400K · 600–640+ FICO

Why the Business & Investor HELOC

Why Business Owners & Investors Choose This HELOC

A cash-out refi throws away the rate you locked. This line records behind your mortgage (or replaces it in 1st position), revolves like a credit card, and closes in days instead of months.

Approve LLC, Corp & Personal Properties

Primary residences, second homes and 1–4 unit investment properties qualify, including rentals held in an LLC or corporation. Personal ownership: up to 85% 1st / 80% 2nd / 70% 3rd lien CLTV. LLC or corporation: up to 80% 1st / 70% 2nd.

Write-Off Friendly: No Tax Returns

Banks penalize business owners who write off expenses. Most borrowers verify income in about 2 minutes by linking their bank through Plaid (20%–30% of gross business deposits plus personal and spousal income, up to 50% DTI) and a photo of their driver's license.

No Appraisal Up to $400,000

The lender's platform scans county and municipal property records to issue offers within hours. No in-person appraisal for lines up to $400,000; a full appraisal applies only from $400,000 to $750,000.

True Revolving Line ($500 Min Redraw)

Get your initial funding at closing, pay down principal anytime to lower next month's payment, and redraw from your phone or laptop during the 3–5 year draw period. Redraws carry a 0.99% fee, and the draw period can renew once paid to zero.

Startups & All Industries Welcome

Any business owner or real estate investor with an active US EIN / Tax ID can apply, including 2–3 month old pre-revenue startups. Use it for gap funding, equipment, inventory or specialized industries.

Portfolio Friendly, Fast e-Notary Closing

Close from your phone or computer by video e-Notary (in eligible states) or with a mobile notary at your home or office. Own more than one property? Add more lines after a 45-day recording seasoning window.

Size your line

Size Your Business & Investor HELOC

Available line = property value × the max CLTV for your vesting and lien position, minus what you owe, capped by your credit tier.

Personal 1st 85% 2nd 80% 3rd 70% LLC 1st 80% LLC 2nd 70%
Title vesting
Lien position
Estimated available HELOC
—
Combined LTV —
Est. monthly P&I —
Draw period —

P&I is fully amortized at an illustrative 8.5% APR over the selected term.

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Requires an active US EIN / business purpose. Lines up to $400,000 can close in as few as 5 business days.

How it works

From application to funding in days, not months.

1

Apply Online

Five-minute form. LOANKWEST doesn't pull your credit.

2

Same-Day Offer

The lender's county-record valuation returns an offer within hours.

3

Verify in Minutes

Link your bank through Plaid and snap your driver's license. No tax returns; no appraisal up to $400,000.

4

e-Notary & Fund

Close by video e-Notary or mobile notary. Lines up to $400,000 can fund in as few as 5 business days; larger lines need a full appraisal first.

Program at-a-glance

The fine print, up front.

Representative terms from our lending partners. Final terms are set by the lender.

Line amount
$25,000 – $750,000 (max per borrower)
Rate
6% – 11% APR, fixed & variable
Terms
10, 15, 20 or 30 years (20-year recommended, 4-year draw)
Draw period
3 – 5 years; renews when paid to zero
Redraws
$500 minimum; 0.99% redraw fee
Lien position
1st, 2nd or 3rd
Max CLTV
Personal: 85% 1st · 80% 2nd · 70% 3rd. LLC/Corp: 80% 1st · 70% 2nd
Credit
640+ FICO up to $750K · 600–639 up to $125K
Property types
Primary, second home & 1–4 unit investment, incl. LLC/Corp-owned; max 12 acres; no mobile/manufactured
Appraisal
None up to $400,000 (county-record AVM); full appraisal $400K – $750K
Income verification
Plaid bank link (20%–30% of gross business deposits + personal/spousal income, up to 50% DTI); no tax returns
To apply
No credit pull by LOANKWEST
Use of funds
Business purpose: MCA & business debt payoff, real estate, gap funding, renovations, working capital, equipment, inventory
Eligibility
Active US EIN / Tax ID; new businesses welcome
Closing
Video e-Notary (eligible states) or mobile notary
Funding
As few as 5 business days up to $400K; longer from $400K – $750K (appraisal)

Eligible states

Available in 34 states and growing.

Eligibility is based on where the property sits, not where you live. Tap a highlighted state to see its loan programs and start a deal there.

Available Not yet available
Tap or hover a state to check availability.

Not currently available in NJ, VA, WV, MI, MN, ND, SD, WY, ID, NV, UT, AZ, OR, HI, AK or VT.

Map of U.S. states where LOANKWEST Rapid Investor & Business HELOC financing is availableAlabama: AvailableAlaska: Not availableArizona: Not availableColorado: AvailableFlorida: AvailableGeorgia: AvailableIndiana: AvailableKansas: AvailableMaine: AvailableMassachusetts: AvailableMinnesota: Not availableNew Jersey: Not availableNorth Carolina: AvailableNorth Dakota: Not availableOklahoma: AvailablePennsylvania: AvailableSouth Dakota: Not availableTexas: AvailableWyoming: Not availableConnecticut: AvailableMissouri: AvailableWest Virginia: Not availableIllinois: AvailableNew Mexico: AvailableArkansas: AvailableCalifornia: AvailableDelaware: AvailableHawaii: Not availableIowa: AvailableKentucky: AvailableMaryland: AvailableMichigan: Not availableMississippi: AvailableMontana: AvailableNew Hampshire: AvailableNew York: AvailableOhio: AvailableOregon: Not availableTennessee: AvailableUtah: Not availableVirginia: Not availableWashington: AvailableWisconsin: AvailableNebraska: AvailableSouth Carolina: AvailableIdaho: Not availableNevada: Not availableVermont: Not availableLouisiana: AvailableRhode Island: Available

FAQ

Common questions
Will applying affect my credit?

No. LOANKWEST never pulls your credit. If you decide to move forward, the lender may review your credit, only with your authorization, as part of its own approval.

Do I have to refinance my current mortgage?

No. In 2nd or 3rd position the line records behind your existing mortgage, which keeps its rate and payment. Choose 1st position only if you want to replace the current loan or the property is free and clear.

Why is there no appraisal up to $400,000?

For lines up to $400,000 the lender values the property with an automated valuation built from county tax-assessment and municipal property records, which is how offers come back within hours. Lines from $400,000 to $750,000 require a full appraisal.

How is the maximum line calculated?

Property value × the max CLTV for your vesting and lien position (personal: 85% 1st, 80% 2nd, 70% 3rd; LLC or corporation: 80% 1st, 70% 2nd), minus existing mortgage balances. Lines run from $25,000 to $750,000, or up to $125,000 with a 600–639 FICO.

My property is owned by an LLC. Does it qualify?

Yes. LLC- and corporation-owned 1–4 unit properties qualify at up to 80% CLTV in 1st position and 70% in 2nd. 3rd position is available on personally owned properties only.

How do redraws work?

During the 3–5 year draw period you can redraw what you've paid down, $500 minimum per draw, from your phone or laptop. Each redraw carries a 0.99% fee, and the draw period can renew once the balance is paid to zero.

Can I pay extra principal?

Yes. Principal overpayments are allowed anytime, and they lower your next month's payment because it's recalculated on the new balance.

How does MCA consolidation work?

The line pays off your merchant cash advances at closing, so the daily or weekly drafts stop. You're left with one monthly principal-and-interest payment at 6%–11% APR. Because the line is business-purpose, MCA payoff is an approved use.

Do I need tax returns?

No. Most borrowers verify income in minutes by linking their bank through Plaid; 20%–30% of gross business deposits plus personal and spousal income count toward a DTI of up to 50%. An IRS.gov tax link is also available.

Can I open lines on more than one property?

Yes. After a line records, there's a 45-day seasoning window before you can add a line on another property.

How fast can I get funded?

Lines up to $400,000 can close and fund in as few as 5 business days, since no appraisal is needed. Lines from $400,000 to $750,000 require a full appraisal, which adds time. The biggest variables are how quickly you link your bank and schedule the e-Notary or mobile notary.

What can I use the funds for?

Business purposes only: paying off MCAs and high-interest business debt, real estate purchases and gap funding, renovations, working capital, startup costs, equipment and inventory.

See your offer the same day.

No credit pull to apply. No tax returns. No appraisal up to $400,000.

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Partner program

Agents, Brokers & Loan Officers: Keep Your Clients Liquid.

Investors and business owners don't want to refinance out of a 3% mortgage or keep paying MCA drafts. Send them a line that fixes both, and get credit on every funded deal you refer.

Partner inquiries: loans@seqlending.com
  • Get credit on every funded loan you refer
  • Keep investor clients from shopping you to a competitor
  • One intake, dozens of lenders behind it
  • Your name on the application via the referral field