Unlock a Home Equity Line of Credit Today

Tap into your home’s equity to access a flexible credit line with competitive rates–perfect for covering big expenses, growing your business, or managing cash flow. 

Enter your funding needs and get started:

home equity line of credit

What Our Customers Have to Say

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4.9 out of 5 based on 2,886 reviews 

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Advantages

Top 3 Advantages of a HELOC

As a homeowner and business owner, a Home Equity Line of Credit offers a strategic way to unlock the value in your property to fund your business goals. Explore the key benefits of using a HELOC to support your growth with confidence.

Fast & Flexible Access to Funds

Get approved in minutes and funded in as little as 5 days. Draw only what you need—when you need it—up to $750,000, with terms ranging from 5 to 30 years.

Lower Rates

With rates typically between 7% and 9%, HELOCs cost far less than most personal loans or credit cards—helping you keep more money in your pocket over time.

 

No Prepayment Penalties

There are no prepayment penalties, and as you pay down your balance, you can redraw funds—up to your full credit limit—without reapplying or another hard credit check.

THE BTC ADVANTAGE

Why Choose Big Think Capital?

Competitive Rates, Fast

We secure high-quality loans at interest rates that are conducive to business growth—and we do it fast.

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A Partner Committed to Your Success

It’s all about relationships at Big Think. We won’t push just any financing option on you, we work with you to find the best solution for your business.

Access to Sprawling Financial Connections

Big Think is internationally connected with finance industry titans. Work with us and tap into an international network of financial expertise.

Security-First Practices and Strategies

We employ cutting-edge cybersecurity practices that lock down our client’s data. Whether you’re working with us for a long-term loan or line of credit, you can trust us to keep your information protected.

PRE-REQUISITES

Minimum Requirements For a Home Equity Line of Credit

  • 640+ credit score for primary residence (up to 85% CLTV)
  • 680+ credit score for secondary/investment properties (70% CLTV)
  • Maximum debt-to-income (DTI) ratio: 50%

No appraisal. No bank visit. Just fast funding in as little as 5 days. From income verification to final paperwork, our team will guide you through every step and keep the process smooth, simple, and stress-free.

REVIEWS

What Our Customers Have to Say

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4.9 out of 5 based on 2,886 reviews

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ARTICLES

From The Knowledge Center

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Secure Your Future Today

Take the first step towards financial growth and stability with Big Think Capital. Apply now and discover tailored funding solutions designed for your success.

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