For commercial property owners
Your commercial building can be a line of credit.
A commercial equity line of credit may turn the equity in your shop, warehouse, or office into revolving capital: draw it when a job needs it, repay it, and use it again.
- No impact to your credit score
- Personalized review
- No obligation to move forward
$100M+
Capital secured
500+
Small businesses helped
11+ years
Financing experience
4.9★
Client rating
Sound familiar?
You own the building. You still scramble for cash.
A new loan every time
Every opportunity means another application and another payment.
Equity locked in the walls
Your property has grown in value, but none of it helps operations.
Short-term debt stacking up
Advances and short loans pile on top of each other.
You built the business. Financing shouldn’t feel like a trap.
PrimeNova is not a single-product lender pushing one answer. We look at your whole picture: the business, the property you’ve built, your cash flow, and what you already owe. Then we show you the paths that may genuinely fit, in plain language.
How it compares
Commercial equity line vs. a one-time loan
| Topic | Commercial equity line | One-time term loan |
|---|---|---|
| How you get funds | Draw as needed, up to your limit | One lump sum up front |
| Interest | Typically on the amount drawn | On the full amount from day one |
| Reuse | Capacity can replenish as you repay | Apply again for new capital |
| Best for | Ongoing, recurring needs | One specific purchase |
Terms, rates, and availability depend on the property, the business, and the lender.
What we look at
What usually matters
- The commercial property’s value and existing liens
- Whether the business occupies the property
- Business revenue and cash flow
- Current debt and payments
The plan
Three steps to your line
- 01
Start your Capital Review
Share your goal and a few basics in minutes. Checking your options doesn’t impact your credit score.
- 02
We review the full picture
Your business, property, cash flow, and current debt, together. A PrimeNova team member typically reviews within 1 business day.
- 03
Move forward with clarity
You see the paths that may fit, what each one would take, and you decide. No pressure.
No credit impact to check options · No obligation to move forward
Questions owners ask
Commercial equity line questions
What is a commercial equity line of credit?
It’s a revolving line of credit secured by the equity in commercial property you own. You draw funds when you need them, typically pay interest on what you use, and capacity can become available again as you repay, according to the program’s terms.
How is it different from a commercial real estate loan?
A commercial real estate loan usually buys or refinances the property in one amount. An equity line uses the property you already own to give the business flexible, reusable access to capital.
Does the building have to be owner-occupied?
Not always. Owner-occupied and investment properties are reviewed differently, and requirements vary by lender. We look at your property and tell you what may fit.
Important: using property as collateral
A Business HELOC or any property-backed financing uses your property as collateral. If payments aren’t made as agreed, you could lose the property. Rates on lines of credit are often variable, so payments can change. PrimeNova walks you through these risks before you decide, and this is not an approval, rate quote, or commitment to lend.
YOUR BUSINESS · YOUR NEXT MOVE
Turn your building into working capital.
Start a Capital Review and see what your commercial equity may unlock, with no credit impact to start.
PrimeNova Financial is the customer-facing brand of PrimeNova Solutions, a licensed business finance consulting firm. Financing may be provided by PrimeNova or through our lending and capital partners, depending on the program. This is not a commitment to lend. All rates, terms, and approvals depend on underwriting, eligibility, and program guidelines. Checking your options on this site does not impact your credit score. Information on this site is for general education and does not constitute financial, legal, or tax advice.