Turn your property equity into reusable business capital.

Start with what you need the money for, how much, and what monthly payment you can carry. Lenders then look at your credit, revenue, time in business, and any collateral, such as property equity. With PrimeNova, you start a Capital Review in a few minutes using information you already know. An advisor compares the paths that may fit and explains what each one needs, and you decide whether to apply. Checking your options does not impact your credit score.

It depends on how you use the money. A working capital loan gives you one lump sum with a fixed repayment schedule, which suits a single, defined expense. A line of credit lets you draw, repay, and draw again, which suits recurring costs like materials and payroll between jobs. For owners with home equity, a Business HELOC is one revolving option: it is funded up front, repaid monthly, and you can draw again as you pay it down.

Most seasonal businesses are best served by capital they can reuse, such as a line of credit, because the need returns every year. Set it up before the slow season, when your revenue looks strongest to a lender, and plan for at least one full off-season of fixed costs. A roofing or landscaping company, for example, can cover payroll and materials through the slow months, then pay the balance down when the busy season returns.

It may. Existing debt doesn’t automatically rule you out: lenders look at how much you owe, your cash flow, and your collateral. In some cases, new financing can replace expensive short-term debt, such as daily or weekly advance payments, with one predictable monthly payment. A Capital Review maps what your business pays today before suggesting a path, so new capital relieves pressure instead of adding to it.

Look for a real address and phone number, independent reviews on sites like Google and the BBB, and clear terms in writing. Be cautious of anyone who guarantees approval without reviewing your credit, pressures you to sign quickly, or asks for payment before approval. PrimeNova holds a 4.9★ client rating, and a real advisor reviews your situation and explains every next step, with no obligation to move forward.