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Equipment Financing loans

Simple equipment financing loans to accelerate your business growth!

With an 85% approval rate, what are you waiting for?
Applying will not impact your credit score….*
Access up to $750,000 when you need it

Flexible draw periods with revolving access to funds.

Quick funding in as little as 5 days

Fast approvals and quick access to capital.

Pay interest only on what you use

Cost-effective financing that adapts to your business needs.

Power Your Financial Flexibility with a HELOC

As a business owner, your home isn’t just where you live — it can also be a powerful source of working capital. A Home Equity Line of Credit (HELOC) allows you to leverage the equity in your property to access flexible funding for your business. Unlike a traditional loan that gives you a lump sum upfront, a HELOC functions like a revolving line of credit: draw funds when your business needs them, repay, and use the line again as new opportunities arise.

This flexibility makes a HELOC an effective tool for managing cash flow, covering payroll during slow seasons, investing in equipment, or funding marketing campaigns to grow your customer base. You only pay interest on the amount you draw, making it a cost-effective alternative to credit cards or other short-term financing.

Because your line stays open for repeated use during the draw period, you’ll always have quick access to capital — whether it’s for day-to-day expenses or to seize time-sensitive opportunities. With competitive rates and repayment terms designed to fit your cash flow, a HELOC gives you the confidence to keep your business moving forward.

Smart Ways Businesses Use a HELOC:

  • Cover payroll or supplier costs during slow seasons
  • Purchase new equipment or upgrade technology
  • Launch marketing campaigns to attract customers
  • Manage unexpected expenses or emergency repairs
  • Fund expansion opportunities without taking on high-interest debt

Benefits of an ReilCap Home Equity Line Of Credit (HELOC)

Smarter Access to Capital

Unlike a lump-sum loan, a HELOC gives you revolving access to funds. That means you can borrow when you need it, repay, and use it again without having to reapply. This flexibility makes it ideal for managing cash flow or covering unexpected expenses in your business.

Cost-Effective Financing

HELOCs typically offer lower interest rates compared to credit cards and other unsecured financing options. Plus, you only pay interest on the funds you actually use, so your cost of borrowing stays efficient and under control.

Tailored for Business Growth

From payroll and marketing campaigns to equipment upgrades and expansion projects, a HELOC adapts to the changing needs of your company. With flexible repayment terms, you can align your financing with your cash flow and keep your business moving forward.

How to Get a Home Equity Line of Credit (HELOC) with ReilCap

  • Complete our quick online application.
  • Review and sign your application and e-documents.
  • Submit essential documents and receive your funds quickly.

Requirements for a Home Equity Line of Credit (HELOC) with ReilCap

  • Fico score of 500+
  • Business in operation for 6 months
  • $250,000 in annual revenue

Frequently Asked Questions (FAQs)

We offer revolving HELOCs up to $750,000, depending on your available home equity, credit profile, and overall financial strength.

Many of our clients are approved and funded in as little as 5 business days. The exact timeline depends on the appraisal and underwriting process, but we move quickly so you can access capital when you need it most.

No. Our Business HELOC is a standalone line of credit. You can keep your existing mortgage exactly as it is.

You can use your HELOC for almost any business purpose: covering payroll, purchasing equipment, launching marketing campaigns, or managing seasonal slowdowns. The flexibility is yours.

No, applying with ReilCap will not impact your credit score because we do not perform a hard credit inquiry during the application process. Instead, we may conduct a soft credit check, which does not affect your credit score.

No. you only pay interest on the portion of funds you actually draw. This makes it more cost-efficient than many other forms of financing.

We offer flexible repayment structures that align with your business’s cash flow. During the draw period, payments may be interest-only, with principal payments starting in the repayment phase.

The credit line does not show as debt on a business owner’s personal credit.

Portal access is provided to access and use the HELOC where any auto minimum payment, bulk repayment, full repayment, or draw will debit or credit into your bank account via ACH.

First minimum payment reflects a month following the draw of the line of credit.

It depends on your needs. A Business Line of Credit doesn’t use your home as collateral, but typically comes with higher rates. A Business HELOC leverages your home equity, giving you access to larger credit lines at lower rates, making it a great option if you’re comfortable using your property as security.

Join our network of happy customers!

* Rates shown reflect an average fixed monthly percentage. Rates may vary by state and lender criteria. We do not perform a hard credit pull at any point in our approval process. Decision and funding time are subject to applicant’s submission of all requested approval and closing documents. Same day funding is contingent on applicant qualifications. By supplying us with your information, you authorize Mission Capital LLC dba REIL Capital and REIL Capital LLC to contact you at the numbers you provide (including mobile) during any step of this application, via phone (including automated telephone dialing systems, prerecorded, SMS and MMS means) even if you are on a Do Not Call Registry. You are not required to agree to be contacted in this manner to apply with Mission Capital LLC dba REIL Capital and REIL Capital LLC.
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