Tap the equity in the home you live in to fund your business, without selling or moving.
Business owners and investors often hold most of their wealth in the equity of the home they live in. A business-purpose loan secured by that owner-occupied home lets you put that equity to work, funding a new venture, buying inventory, covering payroll, or acquiring an investment property, while you keep living in the house.
The key distinction is loan purpose, not occupancy. A consumer-purpose loan is used for personal, family, or household reasons, such as buying or refinancing the home you live in. A business-purpose loan uses the proceeds primarily for business or investment activity. The two are regulated differently, and the purpose of your loan, not simply the fact that you live in the property, determines which rules apply.
Because the line between the two can be nuanced, we take documenting purpose seriously. We ask how you intend to use the funds, confirm the loan is genuinely business-purpose, and structure it accordingly. If your need is actually consumer-purpose, we say so and route you to the right owner-occupied program, which carries additional disclosures and underwriting requirements that our team walks you through.
As a direct lender since 2006, we underwrite the equity in your home and close in 5 to 10 business days across California. Loans range from $50,000 to $50 million, so whether you need a modest capital injection or a large draw, we can structure it.
It is a loan where you pledge the equity in the home you live in, but the proceeds are used primarily for business or investment purposes rather than personal, family, or household needs.
A consumer-purpose loan funds personal needs like buying or refinancing your residence, and it involves consumer mortgage disclosures and underwriting. A business-purpose loan funds business or investment activity and is regulated differently. The use of the money determines the category.
We ask you to describe how you will use the funds and document that purpose. If the intended use is genuinely business or investment, we structure it as a business-purpose loan; if it is personal, we route you to the appropriate owner-occupied consumer program.
Yes. These loans are specifically for owner-occupied homes, so you continue living in the property while its equity funds your business or investment.
We typically close in 5 to 10 business days and lend from $50,000 to $50 million, subject to your equity and the specifics of your file.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT