TMF TeamCapital Strategy Apply Now ↗
Home equity

Your equity,
valued in minutes.

The instant estimator on this page is being rebuilt. In the meantime you can skip the estimate entirely — tell us about the property and a rep comes back with what is actually available, inside the hour.

Still in construction

The instant estimator is being rebuilt.

The old version asked for six figures and handed back a guess built out of them. The replacement values the property itself, so the number you see is a number worth talking about. It is not finished, and we would rather show you nothing than show you something we cannot stand behind.

None of that stops you today. The application beside this one is the same one every TMF deal goes through, and the valuation starts the moment it lands.

Encrypted before it leaves your browserThe sensitive half of an application can only be opened by us
Get your offer

An offer inside the hour.

The property valuation is done by AI, so there is no appraisal appointment to book and nobody has to visit the house. Start the application and a rep comes back with what is available.

  • 01 About ten minutes. Four steps: the business, you, any co-owner, then statements and signature.
  • 02 Have ready. Your EIN, four months of business bank statements, and the address of the property you are borrowing against.
  • 03 It is encrypted before it leaves your browser. The sensitive half can only be opened on one machine, and that machine is not this server.
Start my application →

Any offer is subject to review and verification of what you tell us, and is not a commitment to lend. Borrowing against your home puts your home at risk. See our terms and privacy policy.

What happens next

Where the hour goes.

01

The address goes in

The valuation model reads the property, the recent sales around it, and what is already secured against it. Minutes, not days, and nobody has to visit the house.

02

A rep checks it by hand

A number a machine produced on its own is not something to put in front of somebody borrowing against their home. Somebody reads it before you do.

03

You get a call

On the number you gave us, with what is available and what it would cost. If the answer is no, you get that inside the hour too.

Straight answers

What you should know.

It is being rebuilt. The old one asked you for six figures and handed back arithmetic done on your own guesses, which is not the same thing as knowing what a lender would do. Rather than dress that up, we took it down. Starting the application gets you a real answer faster than the calculator ever did.
An automated valuation model reads the property record, comparable sales nearby, and what is already secured against the title. That is the same class of tool lenders use to decide whether a full appraisal is even needed. It is fast and it is usually close, but it is an estimate, and a formal appraisal may still be required before anything funds.
In working hours, yes, and a no comes just as fast. What arrives in that hour is an indication of what is available on the information you gave us, not a signed commitment. Verification of income, title and the property comes after, and the final terms can move. Anyone promising you a binding number on a home-secured loan in under an hour is not telling you the truth.
To start, the property address and a way to reach you. Nothing else on the form is required. We do not ask for your Social Security number, your date of birth or any account number on this page, and you should not send them to us in the chat either.
Yes, and many owners do, because home equity usually prices better than unsecured business credit. The trade is real though: the loan is secured against where you live, so a bad quarter in the business becomes a risk to the house. Weigh it against an unsecured product before you decide, and ask us to price both.
You borrow against the equity in your home. During the draw period, often five to ten years, you take what you need up to your limit and typically pay interest only on what you have used. When the repayment period starts the line closes to new draws and you repay principal plus interest on a schedule.
Not sure it is the right product?

Your house is not the only way to fund this.

Home equity is often the cheapest money on the table and sometimes the worst idea on it. Tell us what the capital is for and we will price the unsecured routes against it before you put the house up.

Talk it through → Compare all products