Three Day HELOC powered by West Capital Lending
As fast as 3–5 day close* Check My Rate

Unlock up to $750,000 of your home's equity — without touching your mortgage rate.

A 100% online, bank statement HELOC from a licensed lender. Check your rate in minutes and get cash in as little as 3 days after approval.*

Bank statement qualification — no tax returns or W-2s required
No in-person appraisal on loans under $400K
No Social Security number required to check your rate
3–5 day closing*From approval to funded
No W-2s or tax returnsQualify with bank statements
eNotary availableClose from home, fully online
No appraisal under $400KDigital property valuation
Your offer is 60 seconds away 0%

How much cash do you want access to?

Drag the slider — you can change this anytime. Check your rate as of .

$100,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

Your best guess is fine — no documents needed yet.

ESTIMATED AVAILABLE EQUITY$150,000
Looking great — you appear to have meaningful equity available.

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the cash for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats, Alex — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
PropertyLong Beach, CA
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

Cash from your home in 3 simple steps

No branch visits. No mountains of paperwork. The entire process is online — most applicants finish the application in about 5 minutes.

01

Check your rate

Answer a few quick questions and see what you may qualify for — fast, secure, and 100% online. No SSN required at this stage.

~5 minutes
02

Pick your offer

Create your account from the West Capital Lending email, then choose your line amount, rate, and term. Verify your identity and income 100% online.

Same day
03

Get your cash

eSign your documents with an online notary and get funds sent straight to your bank account in as little as 3 days after approval.*

As fast as 3 days*

Why homeowners choose Three Day HELOC

Speed without the runaround

Traditional HELOCs can take 30–45 days. Our fully digital process — automated valuation, online notary, instant verification — compresses weeks into days.

Keep your low mortgage rate

A cash-out refinance replaces your whole mortgage. A HELOC sits alongside it, so the 3% rate you locked in stays exactly where it is.

Bank statement qualification

Income can be verified with bank statements — no tax returns or W-2s required. Ideal for self-employed borrowers and business owners. No SSN is required to check your rate, and no in-person appraisal is needed on loans under $400K.

Equity that stays on tap

This isn't a one-time payout. As you pay down your balance, you can draw again during your draw period — so the same line funds the renovation today and the opportunity next year, without reapplying.

Three Day HELOC vs. the alternatives

If you bought or refinanced when rates were low, tapping equity without touching your first mortgage usually wins.

Three Day HELOCRECOMMENDEDCash-out refiPersonal loan
Keeps your current mortgage rate Yes No Yes
Typical time to funding As little as 3 days* 30–45 days 1–7 days
Maximum amount Up to $750K Varies Usually ≤ $100K
Pay interest only on what you use Yes No No
Bank statement income option Yes Rarely Varies
No in-person appraisal Under $400K Usually required Yes
100% online with eNotary Yes Rarely Often

Frequently asked questions

How fast can I actually get the money?
Checking your rate takes about five minutes. Once you select your offer, verify your details, and your loan closes, funds can be disbursed in as little as 3 days after approval. Timing varies by state, property type, and how quickly verification steps are completed.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry, which has no impact on your credit score. A hard inquiry only occurs if you choose to proceed with the full application.
How much can I borrow?
Lines of credit range from $15,000 to $750,000 depending on your available home equity, credit profile, income, and state. The form above gives you a quick estimate of equity you may be able to tap.
What happens after I submit the form?
You'll be taken straight to the secure online application, and you'll receive an email from West Capital Lending with a link to create your account. From your account you can view your offer, pick your amount, rate, and term, and complete verification — all online.
How is my income verified? Do I need tax returns?
No tax returns or W-2s are required. This is a bank statement HELOC — income can be verified directly from your bank statements through a secure, read-only connection. It's especially well suited to self-employed borrowers and business owners.
Do I need an appraisal or my Social Security number?
For loans under $400,000, no in-person appraisal is required — valuation is completed digitally. Larger loans may require additional valuation steps. No Social Security number is required to check your rate; identity verification happens later, securely, inside the application.
Why do you need my legal name, email, and phone number?
These details flow directly into underwriting. Your legal name (as it appears on your government ID) is used for identity verification, and your email and mobile number are used to deliver your secure account link and verify it's really you. Inaccurate details are the most common cause of delayed offers.
Who is the lender?
Three Day HELOC is powered by West Capital Lending, Inc. (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.
What can I use the funds for?
Anything from home renovations and debt consolidation to tuition, a business, or a major purchase. Because it's a line of credit, you draw only what you need and pay interest only on your outstanding balance.

See your rate in minutes — 100% online.

Join homeowners turning equity into opportunity — without giving up their mortgage rate.

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