Business credit facility
Fund your business goals without the business loan headache
Used responsibly, a HELOC can provide valuable benefits. However, as it is a second charge mortgage (also known as a secured loan), consider how it might affect your ability to secure additional borrowing in the future. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Discover the Selina HELOC, the UK’s most flexible loan
More than £30m in equity unlocked with Selina
Rated 4.8 on Trustpilot
Lower rates than personal loans & credit cards
FCA regulated and backed by leading financial partners
Under 48 hours from application to offer in most cases
Join more than 4,000 UK homeowners who have unlocked their home’s value with Selina
Turn home equity into business opportunity
A Home Equity Line of Credit (HELOC) is a secured loan that lets you unlock the value in your home to fund major expenses without changing your existing mortgage. For business owners, it offers a simple, flexible alternative to traditional business loans.
You receive a credit limit and can draw funds as needed to cover stock, cash flow, equipment or growth opportunities. Draw, repay, and reuse the available balance for up to five years. You only pay interest on what you use, and monthly repayments are required on the drawn balance.
There are no ongoing fees, no business plans to submit, and no need to remortgage. Just fast, affordable funding and ready when your business needs it.
Why use a HELOC for your business?
Turn your home’s equity into working capital
Access between £10,000 and £500,000 to back your business at every stage.
Lower rates than traditional business loans
Business loan rates often start higher. Selina’s HELOC starts from 7.74%, helping you reduce costs while staying in control.
No red tape or complex applications
Skip the hassle of business loan paperwork. No forecasts or plans required.
Stay flexible for what comes next
Draw, repay and redraw over five years whether you’re managing cash flow or seizing a growth opportunity.
How business owners are using the HELOC
Whether it’s managing cash flow, seizing growth opportunities, or launching a new venture, Selina customers are using their HELOCs to build their business with flexibility, speed, and confidence. Here’s what they’re saying.
“We needed working capital without jumping through hoops”
Traditional business loans came with long applications and slow decisions. This retail owner used their HELOC to stock up ahead of peak season without the paperwork or delay.
“We smoothed out cash flow in a slow month”
Cash flow gaps are part of running a small business. This café owner used their HELOC to cover supplier payments and payroll while waiting for overdue invoices.
“We used it to invest in new equipment without breaking the bank”
This tradesperson used their HELOC to invest in upgraded tools and a new van, helping them take on bigger jobs and boost revenue.
“We needed fast funding to launch a second location”
Growth opportunities don’t always wait. This salon owner used their HELOC to secure a new lease and get the second site off the ground without needing investor backing or delaying the launch.
“We kept the business running without touching our savings”
During a temporary downturn, this consultant used their HELOC to cover essential expenses, giving them time to rebuild their client base.
Get a quote in just a few minutes
How Selina’s HELOC compares against other financing options
One facility, many possibilities
Your life isn’t one-size-fits-all,your borrowing shouldn’t be either. Renovate now, pay school fees later, support your business in between. A Selina HELOC adapts as your needs do, without the hassle of reapplying every time.
A simple, hassle-free process
Check your eligibility
Answer a few simple questions in just two minutes.
Get a personalised quote
Complete your full application in ten minutes. There’s no commitment, and getting a quote won’t affect your credit score.
Speak to an advisor
We’ll understand your situation and goals before recommending the right product.
Submit your documents
If you decide to proceed, provide the necessary documents, and you could receive the funds in as little as 48 hours.
Get your quote now – it only takes two minutes and won’t affect your credit score.
Get a quoteYour questions, answered
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments.
What people say about Selina Finance
Selina Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 820183). Our registered address is HYLO 103-105 Bunhill Row, London EC1Y 8LZ