Business HELOC calculator
How much could your equity do for your business?
Estimate a business line of credit from your property value and mortgage balance, then see the monthly payment on the amount you’d actually use.
- 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
Estimate your Business HELOC
Enter your approximate property value, what you still owe, and how much you plan to use. Every field is editable; the rate is only an example.
Varies by program and property.
An example, not a quote. Your rate depends on underwriting and the market.
Your estimate
Illustrative estimate, not an offer or approval. Your actual line, rate, and payments depend on underwriting, the property, and the program. Many HELOCs have a draw period followed by a repayment period. Your property serves as collateral.
Review my numbers with an advisorThe plan
Turn the estimate into a real number
- 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
Business HELOC calculator questions
How is the line of credit estimated?
Property value × maximum combined loan-to-value (CLTV), minus what you owe. For example, $650,000 × 80% − $300,000 = $220,000. The CLTV a lender allows varies by program and property.
Why are there two monthly payments?
Many HELOCs have a draw period where payments may be interest-only, then a repayment period where you pay down principal. The calculator shows both so you can plan.
Is this an offer?
No. It’s an illustrative estimate. Your actual line, rate, and payments depend on underwriting, the property, and the program.
YOUR BUSINESS · YOUR NEXT MOVE
Like the number? Let’s see if it’s real.
Start a Capital Review and an advisor will check your estimate against real programs.
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.