HELOCs through Flourish Lending: More ways to
meet clients' borrowing
needs

November 12, 2026

Estimated reading time: 4 minutes

When we launched Flourish Lending^◊ in March, one of the most common questions we heard from advisors was: What about HELOCs?

It's easy to understand why. A client wants to buy a new home before selling their current one. A small business owner needs funds for an unexpected opportunity. Another client has a sudden major expense coming up but doesn't want to sell investments or give up a favorable mortgage rate. These are significant financial decisions, and advisors should be part of the conversation.

We're excited to introduce home equity lines of credit (HELOCs) through Flourish Lending, expanding how advisors can help clients navigate important financial decisions. This solution is best suited for clients who need fast access to funds, seek higher limits than many banks or credit unions provide, or have a complex borrowing situation.

Instead of turning to the traditional options of selling investments, refinancing an existing mortgage, or referring clients to a bank, advisors now have a new avenue to help clients secure significant capital.

HELOCs are now available to an initial group of advisory firms and their clients, with access expanding to additional firms over the coming weeks. Advisors can access HELOCs directly in the Flourish platform. Don’t see HELOCs on the platform yet? If you have a client with a borrowing need, email lending@flourish.com to request access for your firm.

Homeowners are increasingly tapping into their home equity. According to the June 2026 ICE Mortgage Monitor, home equity withdrawals reached their highest first-quarter level since 2021. More than half (54%) of equity extraction in Q1 came through second liens, such as HELOCs.² For many homeowners, a HELOC provides a way to access the equity they've built without refinancing their existing mortgage. But the decision goes beyond how to borrow. Whether clients use home equity, borrow against their investment portfolios, or use other sources of liquidity can have implications for their cash flow, investments, and long-term financial goals.

These decisions shouldn't happen in isolation from the broader financial plan. And that's where advisors have an important role to play.

• Be there for more of life's financial moments. From bridge financing for a property purchase to a business capital call or unexpected expense, HELOCs give advisors another way to help existing clients, engage prospects, and build relationships with the next generation.

• Deliver a private-bank-like experience. Advisors can help clients explore their options and stay connected throughout the process. A streamlined digital experience, combined with dedicated Flourish Lending loan officers, makes it easier to move from an initial estimate to closing.

• Help clients preserve invested assets. When clients need funds for a short-term expense, a HELOC offers an alternative to selling assets or leveraging the portfolio, potentially helping them maintain their positions and avoid realizing capital gains.

Flourish Lending combines flexible borrowing options with speed and white-glove service, giving advisors another way to help clients access home equity.

• Access significant funds, quickly: Clients can qualify for HELOCs up to $750,000 for primary residences and up to $500,000 for other qualifying properties,³ with funding possible within five days⁴
• Interest-only payments for the first three years: Lower initial payments can help clients manage cash flow during a temporary borrowing need, followed by principal and interest payments⁵
• Unlock equity in more property types: HELOCs are available for eligible primary residences, second homes, investment properties, and properties held in revocable trusts⁶
• Exclusive cash bonus: For a limited time, clients can receive a cash bonus equal to 0.75% of the approved line of credit, deposited into their Flourish Cash^† account after their HELOC funds. That's $750 on a $100,000 line and $5,625 on a $750,000 line¹

The experience is straightforward for advisors and clients alike. Advisors can initiate an estimate for their clients through Flourish, or clients can start one on their own. When they’re ready to apply, licensed Flourish Lending loan officers are available to support them through closing.

While a HELOC offers strategic flexibility for large, time-sensitive funding needs, it isn't the right solution for every borrowing need. The amount a client needs, how long they'll need it, and what other borrowing options are available all matter. That's where the advisor's understanding of the client's financial picture becomes especially valuable. Here are three questions worth considering together.

How much liquidity does the client need, and how soon?

Some HELOCs require a minimum initial draw, making them more appropriate for an identified borrowing need than for a line left unused indefinitely. HELOCs through Flourish Lending offer lines of credit up to $750,000, higher than many banks and credit unions provide, and funding can happen in as few as 5 days. With a minimum initial draw of 75%, they can be a good option for a sizable, near-term borrowing need.

How long will the client need the funds?

Interest-only payments can help manage monthly cash flow during the initial draw period, but the repayment structure matters. With Flourish Lending, the initial three-year interest-only period is followed by 17 years of principal and interest payments. Clients with a shorter-term need, such as funding a capital call, may benefit from lower monthly payments during the draw period and plan to repay before principal and interest payments begin. With no prepayment penalty, clients can repay whenever their funds become available.

What property will secure the loan?

HELOC eligibility and borrowing capacity depend partly on the property. Flourish Lending supports multiple eligible property types, including primary residences, second homes, investment properties, and properties held in a revocable trust, with terms and combined loan-to-value limits varying by property type and location. That flexibility matters, since many HELOC providers lend only on primary residences. That can leave clients with significant equity in other properties without a straightforward way to access it.

Don't wait for clients to bring up their borrowing needs. By making HELOCs through Flourish Lending part of your regular client conversations, you can help ensure you're top of mind when a major purchase, unexpected expense, or need for short-term funds arises. When those moments come, you'll be ready to help clients explore their options and make borrowing decisions in the context of their broader financial plan.

With HELOCs now available through Flourish Lending, you have a way to help clients navigate these moments with access to competitive borrowing options, a streamlined experience, and the guidance of dedicated loan officers.