Get cash
Use your home equity — without selling, refinancing, or asking a bank
Your home is the cheapest, most flexible source of capital you'll ever access. HELOC for working capital. Home Equity Loan for an acquisition. Cash-out refi for a new investment property. We help business owners use home equity the way it's actually meant to be used.
Who this is for
- Business owners funding expansion who don't want an SBA committee
- Real estate investors using primary-home equity to put down on rentals
- Founders financing a business acquisition without giving up equity
- Anyone consolidating high-interest business or personal debt
- Borrowers who want a flexible working-capital line they can draw on as needed
Common loans for this journey
HELOC (Line of Credit)
A revolving credit line secured by your home — draw what you need, when you need it.
Learn moreHome Equity Loan (Fixed)
A fixed lump-sum loan secured by your equity — predictable payment, predictable term.
Learn moreCash-Out Refinance
Replace your existing mortgage and pull out equity in one transaction. Often the lowest all-in rate.
Learn moreDSCR Cash-Out
Pull equity from an investment property — qualifies on rental income, not your personal income.
Learn more
How Sunrise helps
- 1
Assess your equity position
We start with a quick equity estimate based on your current balance and an automated valuation. No appraisal required at this stage — just a clear picture of what you're working with.
- 2
Match to the right product
HELOC vs home equity loan vs cash-out refi — the right answer depends on how you plan to use the funds, your current rate, and how long you intend to stay in the home. We model all three.
- 3
Qualify on your actual income
Business owners using equity for business purposes often have income structures that look different on paper than in reality. We qualify on bank statements, P&L, or DSCR so write-offs don't reduce your borrowing capacity.
- 4
Access your capital
From application to funding, most equity transactions close in 21–35 business days depending on appraisal timelines and title complexity.
Real scenarios
The business owner who needed expansion capital
A home services business owner had built $550K in equity over 8 years. He needed $300K to open a second location. An SBA loan would have taken 90+ days and required business collateral. A cash-out refinance on a bank statement loan closed in 29 days — at a rate well below what the SBA would have offered.
The investor using equity to scale the portfolio
A real estate investor with a 4-unit property wanted to use her primary home equity for a down payment on her next rental. A HELOC on the primary gave her a flexible draw facility — she could pull exactly what she needed for each closing without refinancing the entire property each time.
The founder doing an acquisition
A tech founder was acquiring a small service business and needed $450K in bridge capital before the SBA 7(a) closed. A home equity loan provided the acquisition bridge — fixed rate, fixed term, drawn in a single disbursement at closing.
Scenarios are illustrative composites. Actual results vary by borrower, property, and market conditions.
Frequently asked questions
- What's the difference between a HELOC and a home equity loan?
- A HELOC is a revolving line of credit — you draw funds as needed, up to a limit, and repay only what you use. A home equity loan is a fixed lump sum disbursed at closing, repaid on a fixed schedule. HELOCs are better for ongoing working capital needs; home equity loans are better for a single large expenditure like an acquisition.
- How much equity can I access?
- Most equity products allow you to borrow up to 80–85% of your home's appraised value, minus your current mortgage balance. On a $1M home with a $400K mortgage, you could potentially access $400K–$450K. DSCR cash-out refinances on investment properties typically cap at 70–75% LTV after the cash-out.
- Can I use home equity to fund my business?
- Yes. Home equity products don't restrict how you use the funds — including for business investment, working capital, equipment, or acquisition. This is one of the primary ways business owners access capital at consumer interest rates, which are typically lower than business lending rates.
- Will I qualify if my income looks low on paper?
- Business owners commonly show reduced taxable income after deductions. We qualify equity products using the same bank statement and P&L programs we use for purchase loans — your qualifying income is calculated from actual deposits or CPA-certified profit, not adjusted gross income.
- Is a cash-out refinance better than a HELOC?
- It depends on your current mortgage rate. If your existing rate is lower than current market rates, a HELOC or home equity loan leaves that rate intact and accesses equity separately. If your current rate is at or above market, a cash-out refinance may lower your blended cost of capital. We model both options side-by-side.
- How long does it take to access equity?
- HELOCs and home equity loans typically close in 21–30 business days after a successful appraisal. Cash-out refinances follow the same 21–35 day timeline as purchase refinances. Speed depends primarily on appraisal scheduling and title clearance in your market.
Ready to find your loan path?
Answer 5 questions. A licensed Sunrise loan officer reviews your match and reaches out within one business day. No credit pull, no tax returns required at this stage.
Find my loan pathTools and resources
Information on this page is for general educational purposes and is not a commitment to lend or an offer of specific loan terms. Loan availability, rates, and qualifying requirements vary by borrower profile, property type, and state. Licensed mortgage origination requires a formal application and underwriting review.
Sunrise Lending is a mortgage brokerage. Equal Housing Opportunity. Matching rules are written and reviewed by licensed mortgage professionals; loan decisions are made by licensed mortgage professionals.