HOME EQUITY LINE OF CREDIT

Your home equity, ready when it matters

Flourish Lending^◊brings a premium HELOC experience to the clients of financial advisors. Access the funds you need quickly with a streamlined process and white-glove service.

For a limited time, get a cash bonus up to $5,625, deposited into your Flourish Cash^† account. Terms apply.¹

See what you can borrow

Not a Flourish client yet? Ask your advisor for an invitation.

Borrow up to $750,000²

Starting at $25,000

Funding in as few as 5 days³

From estimate to funding

More property options⁴

Including second homes and investment properties

Flexible borrowing for life's big moments

Major expenses and new opportunities can arise on short notice. A HELOC is a way to put your home equity to work without giving up your current mortgage rate or selling existing assets, keeping your financial plan on track. Whether you need funds quickly or are planning ahead, HELOCs through Flourish Lending offer access to large, flexible lines of credit.

Seize a new opportunity

When a sudden investment opportunity, business venture, or capital call comes up, fast access to funds can help you act before the window closes.

Buy before you sell

Ready to buy, but not to sell? Securing a HELOC before you list your current home can help fund your next purchase without the pressure of a contingent offer or rushed sale.

Bridge a cash flow gap

Waiting on a bonus, proceeds from a sale, or other expected funds? Draw on your home equity to cover expenses until the money arrives.

Add your dream property

When the right vacation home or rental property comes along unexpectedly, use your existing home equity to move quickly and add it to your real estate portfolio.

Plan for a large expense

From tuition costs to medical bills or family milestones, HELOCs can help cover significant, time-sensitive needs.

Fund a major repair

Some repairs can't wait. Whether it's a roof replacement, structural work, or a new heating and cooling system, a HELOC can help cover the cost and keep your property in great shape.

Explore your HELOC options

Enjoy an
exclusive bonus
on us.

For a limited time, receive a cash bonus equal to 0.75% of your approved line of credit when you secure a HELOC through Flourish Lending.¹

That means you could get:

$750 on a $100,000 line of credit

$5,625 on a $750,000 line of credit

The cash bonus will be deposited directly into a new or existing Flourish Cash account after your HELOC is funded. See terms.

A premium borrowing experience for clients of financial advisors

High limits up to $750,000, with a minimum 75% withdrawal at closing²

Fast funding in as few as 5 days³

Flexible property eligibility for your primary residence, second home, and investment properties, including those held in a revocable trust⁴

Interest-only payments for the first 3 years, followed principal and interest payments⁵

Limited-time cash bonus deposited into your Flourish Cash account

White-glove service with dedicated support from application to closing

An easier path to the funds you need

With Flourish Lending, getting access to the funds you need is simple. Start an estimate on your own or with help from your advisor. An intuitive digital process lets you see how much you can borrow with no impact to your credit score. When you’re ready, get prequalified and move directly into your application. Flourish Lending loan officers are available to answer questions and provide support every step of the way. Go from estimate to approval, closing, and funding in as few as 5 days.

Start an estimate

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Available to select Flourish clients. Don’t see HELOCs in your account? Reach out to your advisor or our team to learn more.

Have a question?

Reach out to your advisor, or get in touch with our team.

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Frequently Asked Questions

Is a HELOC right for me?

A home equity line of credit (HELOC) can be a good option if you have a large or time-sensitive need. It’s a line of credit on property you own without refinancing or selling existing assets. Borrow up to your approved limit and pay interest only on the funds you access. Terms vary by lender and state, including how much you need to take out at closing, how long you can access funds, and when repayment begins.

When you secure a HELOC through Flourish Lending, you’ll need to withdraw at least 75% of your approved line of credit at closing. You can access the remaining funds during the 3-year interest-only draw period. Repayment of principal and interest begins after the draw period ends.⁵

Your financial advisor can help you decide if a HELOC fits your situation.

How much can I borrow?

Through Flourish Lending, lines of credit range from $25,000 up to $750,000. Lines above $500,000 are available for primary residences only.² The amount available to you depends on several factors, including your property type and value, the equity you've built, and your credit.

To see what you can borrow, log in to Flourish and start an estimate. Enter a few details about yourself and your property to see your borrowing range, estimated rate and monthly payment, and other key information. It takes just a few minutes, and it’s not a final offer or a commitment.

What interest rate will I get?

The rate you're offered depends on several factors, including your credit score, the property type, the equity you have in your property, and the amount you want to borrow. Most HELOCs have variable rates, which means your rate could change as market interest rates change. For a personalized look at your rate, log in to Flourish and start an estimate. It won’t affect your credit score. Your final rate will be confirmed once your details are verified during the application.⁵

What’s the process like?

From getting an estimate to prequalifying, applying, and getting funded, the process can take as few as 5 days.³ Timing depends on the details of your request, including your property type, financial details, and location. Flourish Lending keeps it simple with a streamlined digital experience, whether you start on your own or with help from your advisor.

Flourish Lending loan officers are also available every step of the way, and once you apply, a dedicated processing team can answer your questions through the application message hub.

Why choose Flourish Lending for my HELOC?

Flourish Lending provides a premium borrowing experience designed for the clients of financial advisors. When a significant, time-sensitive need comes up, a HELOC through Flourish Lending offers a fast, flexible borrowing option. Access up to $750,000 in as few as 5 days, with white-glove support from Flourish Lending loan officers.^2,3 Eligible properties include your primary residence, second home, investment property, or properties held in a trust.⁴

For a limited time, receive an exclusive cash bonus equal to 0.75% of your approved line of credit once your HELOC is closed and funded.¹

How does the cash bonus work?

Once a HELOC through Flourish Lending is closed and funded, eligible borrowers will receive a cash bonus equal to 0.75% of the approved line of credit.¹ That’s $750 for every $100,000, up to $5,625. The cash bonus is deposited into a new or existing Flourish Cash account within 30 days of funding or opening a Flourish Cash account, whichever is later. Eligibility requirements apply, and the offer may change or end at any time. See terms.

Flourish is an online platform through which investors can access financial services and products. Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Lending is offered by SoraFinance, Inc. (d/b/a Flourish Lending), a licensed mortgage broker (NMLS #2355841). SoraFinance, Inc. is not a lender. To verify SoraFinance, Inc., visit NMLS Consumer Access. The Flourish entities mentioned above are all wholly-owned subsidiaries of Flourish Holding Company LLC. Please review the Legal section of our website for more information and account terms. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2026 Flourish. All rights reserved.

◊ Flourish Lending is a suite of products and services offered through SoraFinance, Inc., a licensed mortgage broker (NMLS #2355841) doing business as Flourish Lending. SoraFinance, Inc. is not a lender or a creditor. Loans are made solely by third-party providers. Flourish Lending is not available in all states; view the list of states in which Flourish Lending is available. Equal Housing Opportunity. To verify SoraFinance, Inc., visit NMLS Consumer Access. Registered Office: 910 S Pearl Expressway, Dallas, TX 75201.

† A Flourish Cash account is a brokerage account offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. The cash balance in a Flourish Cash account will be swept from the brokerage account to deposit account(s) at one or more third-party Program Banks that have agreed to accept deposits from customers of Flourish Financial LLC. The accounts at Program Banks will pay a variable rate of interest.

¹ Subject to credit approval and eligibility. The cash bonus equals 0.75% of your approved line of credit amount, up to a maximum bonus of $5,625, and is deposited into an eligible Flourish Cash account. To qualify, you must generate a prequalification offer while the promotion is active, your HELOC must be approved and funded, and you must hold or open an eligible Flourish Cash account within 30 days of funding. Bonuses are paid within 30 days of funding or account opening, whichever is later. HELOCs that are rescinded or do not fund do not qualify. Terms are subject to change and this promotion may end at any time. See full promotional terms and conditions.

² Credit lines above $500,000 are available only for primary residences, subject to a credit score of 700 or higher and a combined loan-to-value (CLTV) ratio of 75% or less. Maximum credit line amounts and CLTV vary based on credit score, occupancy, credit line amount, and property location. Minimum credit line amounts vary by state. Texas primary residences are limited to 80% CLTV. This is not a commitment to lend.

³ Timing is not guaranteed and varies based on property type, valuation, location, and when required information and documents are received.

⁴ Eligible properties include primary residences, second homes, and investment properties, including those held in a revocable trust. Properties held by LLCs or other entities are not eligible. Certain property types, and properties listed for sale currently or within the past 60 days, are not eligible. Investment properties are subject to additional eligibility requirements. Terms may vary based on property type, valuation, and location.

⁵ Variable-rate HELOC example: Variable APR: 7.60% | Maximum APR: 18.00%. Origination fee: 2.39% of the credit line ($4,780) | Other fees to open the line: $528.70. Annual fee: $50.00. 3-year interest-only draw period, followed by a 17-year repayment period of principal and interest payments (12-year repayment period in Tennessee). Payments will increase when the repayment period begins.

Sample terms for illustration only; your terms may differ. Terms as of 11/06/2026, based on a Virginia primary occupancy, second-lien line of $200,000 with a $200,000 initial draw at closing, CLTV of 42% or less, a credit score of 826 or higher, and a home improvement. The sample APR equals the Wall Street Journal Prime Rate (7.00% as of 09/17/2026) plus a 0.60% margin. The APR is variable and will change with the Prime Rate. Your margin will depend on credit score, CLTV, occupancy, line amount, loan purpose, and property location. Origination fees range from 0.00% to 2.39% of the credit line. Other fees to open the line will vary depending on property location, line amount, and other factors.