For many small business owners, their most valuable financial asset may not be their business, but their home. Yet residential mortgage loan products remain an underutilized source of liquidity and working capital for entrepreneurs who need flexible and affordable access to funds. This session explores how banks and credit unions can better serve small business owners by leveraging residential mortgage loans as a capital access strategy. It will illuminate the differences between single family residential loans and HELOCs and when each is the right tool along with the qualification methods that make these products accessible to business owners whose income structures do not fit traditional underwriting models. The discussion will address how residential mortgage loan products compare favorably to conventional small business loan offerings regarding rate, flexibility, and terms and how institutions that connect their mortgage and small business banking teams create a competitive advantage that deepens relationships and drives loyalty.
