For business owners who own a home

Turn the equity you've built into capital for your business

If you own a business and have enough home equity and qualifying credit, you may be able to access business-purpose financing, even if your business is brand new. There's no minimum business revenue to be considered.

Own a business and a home? Your equity may be able to fund it, even with a brand-new LLC.

⚡Receive funds in as fast as 5 days

  • ✓New businesses welcome. An active LLC is required. Years of business history aren't.
  • ✓No minimum business revenue
  • ✓640+ credit required
  • ✓Available in 34 states + DC.

Financing is secured by your residential property. All financing is subject to lender review, verification and approval.

Eligibility checkAbout 1 minute
  • ✓New businesses welcome. Active LLC required.
  • ✓No minimum business revenue
  • ✓640+ credit required
  • Business-purpose financing backed by home equity
  • Startups and new LLCs considered
  • One funding specialist, start to finish
  • Your information stays private and is never sold
Why business owners consider it

Capital based on what you already own

Most business financing looks at how long you've been open and how much you deposit. This looks mostly at your property and your credit.

Underwritten on equity and credit

Your home equity and personal credit are the main factors, so a thin business history doesn't have to hold you back.

Secured capital, priced accordingly

Because the financing is secured by property, its terms can look very different from unsecured or revenue-based products. Your specialist will show you real numbers before you commit.

A quick first step

The eligibility check takes about a minute. If it looks like a fit, a specialist reviews the details with you before anything is submitted.

Newer businesses welcome

Just formed your LLC? You can still be considered.

Most business lenders want to see months or years of revenue before they'll talk to you. For this option, established business revenue isn't required. If you have an active LLC, qualifying personal credit and enough home equity, the lender can review you even at $0 in revenue.

You'll still go through a full review: your property, your credit and the lender's other requirements. Being new doesn't rule you out.

Check my eligibility →

Uses of capital

Built for business purposes

Common ways business owners put the capital to work. Final eligible uses are set by the lender.

Working capital
Inventory
Equipment
Marketing & growth
New location / expansion
Business acquisition
Refinancing eligible business debt
Launching a new business
Check my eligibility →

About 1 minute · No obligation

Centium Capital · centiumcapital.com

Information on this page is for general educational purposes and is not an offer to lend or a commitment to extend credit. All financing is subject to the lender's credit approval, property evaluation, verification and underwriting. Not all applicants will qualify. Terms, rates, fees and available amounts vary. Financing is secured by residential real estate, and failure to repay could result in the loss of the property. Examples shown are hypothetical and for illustration only. Funds must be used for eligible business purposes.

Centium Capital is a referral partner, not a lender. We do not make credit decisions, issue loans or set rates or terms. We refer applicants to third-party lending partners, who make all credit decisions and set all terms. Centium Capital may receive compensation from lending partners for referrals.

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