HELOC — Flexible, Revolving Access to Your Property Equity
A HELOC-style facility is a revolving line of credit secured by real property. Instead of one lump sum, you draw what you need, when you need it — during the approved draw period — and you only pay interest on the outstanding balance.
For investors and business owners, that means short-notice access to capital for renovations, payroll, emergencies, expansion opportunities, and smoothing cash flow — all backed by equity you’ve already built.
Cheetah Capital Finance LLC operates in commercial and investor spaces. We do not originate personal-use primary-residence consumer HELOCs. All access to capital requires underwriting, valuation, lien review, and compliance. Nothing here is an approval.
Equity Access Snapshot
(Example)
How a HELOC Works
A HELOC-style structure is typically split into a draw period and a repayment period. During the draw period, you can pull capital, repay, and pull again — like a revolving business line, but secured by property. After the draw period ends, the line usually stops revolving and converts into a scheduled repayment phase.
Access funds up to your limit when needed. Payments during this stage may be interest-only on the outstanding balance.
As you pay it down, the available credit comes back. You don’t have to take the full amount upfront — you take what the moment calls for.
After the draw period ends, the line typically stops revolving and moves into repayment. Payments often become principal + interest.
HELOCs for business / investor purposes can be structured with variable rates, covenants, or periodic reviews. Terms depend on collateral quality, sponsor strength, and real cash flow — it’s not a “swipe-and-go” consumer credit card.
Business / Investment HELOC vs. Consumer HELOC
| Type | Primary Purpose | Regulatory Focus | Typical Use of Funds |
|---|---|---|---|
| Consumer / Primary Residence HELOC | Individual / household borrowing secured by a primary residence. | Governed under consumer mortgage rules and disclosures (Truth in Lending, etc.). | Home improvements, personal debt consolidation, education, etc. |
| Business / Investment HELOC-Style Facility | Credit secured by investment / business-use property, meant to fund the enterprise. | Underwritten like commercial credit. Focus is on collateral, DSCR, and repayment via business cash flow. | Working capital, renovations, new equipment, marketing, expansion, or refinancing higher-friction short-term obligations. |
We work on the investment / commercial side, not primary consumer mortgages. The goal is to strategically access equity to build, stabilize, or expand an income-producing operation — not to fund household lifestyle spend.
Underwriting & Required Documentation
HELOC-style business credit is real underwriting. Expect a professional collateral review — not “instant approval.” We typically see:
Terms may include variable rates, periodic reviews, and interest-only structures during the draw period. Nothing here guarantees any specific rate, credit limit, payment amount, or approval outcome.
Responsible Use of HELOC Proceeds
When used correctly, a HELOC-style facility can be a strategic tool — not just “quick cash.” Smart operators deploy it where it directly protects or improves revenue:
A HELOC is still secured leverage. Misusing it can put the pledged property at risk. We want borrowers who treat it like working capital — not lifestyle money.
Compliance & Regulatory Notice
Cheetah Capital Finance LLC focuses on commercial-use and investor-use HELOC-style facilities. We do not originate primary residence, consumer-purpose HELOCs. All programs are subject to appraisal / valuation, underwriting, documentation, lien review, entity verification, and compliance approval. Nothing in this section or on this website is an approval, a commitment, or a guaranteed offer or set of terms.
Nothing here is, or should be considered, an offer to sell securities or a solicitation of an offer to buy securities. If investor participation is ever offered — for example, accredited investors participating in secured credit facilities — those opportunities would be offered solely under Regulation D, Rule 506(c) of the Securities Act of 1933, and only to verified accredited investors after full disclosure and documentation.
We align in good faith with federal securities requirements and applicable state “Blue Sky” notice filings, including in Florida. All parties should seek independent legal, tax, financial, and accounting advice prior to entering into any agreement.