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More small business loans: Get the financing you need with fast loan processing times and flexible terms, no cash advance fees, and no interest charges until you use the funds. Compare loan options & apply. Apply For Me. For your business, please visit this page.

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Customer Support

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(1-800-BANCA-75)
Hours:
Monday-Friday: 8:00am-7:00pm
Saturday: 8:00am-12:00pm
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Home Equity Loans and Lines of Credit

Your home is worth its wait.

Use the equity in your home to secure a fixed-rate loan or line of credit that you can use to pay for any number of large purchases or projects.
Home Equity Line of Credit (HELOC)

A home equity line of credit gives you the money you need for home improvements, college expenses, and more. The best part, no annual fees if you maintain a Banca di Capital checking account and debit card.

  • Introductory rate as low as 2.25% APR for the first 12 months; as low as 3.00% APR thereafter1
  • No or low bank closing costs1
  • No annual fees when you maintain a Banca di Capital Offshore Financial Services checking account and debit card1
  • Finance up to 85% loan-to-value with a 10-year draw period and 15-year repayment period
Home Equity Loan

If you’ve lived in your house long enough to build substantial equity, you can borrow against it to add even more value to your home through repairs, renovations, and additions. All it takes to get started is a quick visit or call to your local branch.

  • Payments never increase with a fixed interest rate for the full loan term
  • Funds received in one lump sum
  • Loans available for second-lien position, which means that your new loan would be secondary to an existing mortgage, loan or lien on your property and could not be used to pay them off

Get started.

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Frequently Asked Questions

Who do I contact if I have questions about my personal loan?

Please Email Us to speak with a loan officer.

Do I need to open different accounts for different currencies?

No, you don't. We offer accounts that support multiple currencies and you can easily manage your finances wherever you are.

What do I do if I forgot my password?

For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked, please contact Customer Support via Email.

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1 The Annual Percentage Rate, referred to as APR, is based on an index (WSJ Prime Rate) plus a margin. The discounted introductory APR is fixed for the initial 12-month period. Thereafter, the APR is variable and may change daily but will never exceed 16%. The margin for each loan is determined by credit qualifications, lien position, owner occupancy, loan-to-value (LTV) ratio and other loan features. The stated APRs represent borrowers with a minimum 760 credit score, owner-occupied first lien primary residence, maximum 80% LTV and 0.25% discount for auto-debit from a Banca di Capital checking account. Eligibility for introductory rate and reduced closing costs require a Banca di Capital Offshore Financial Services checking account and debit card. If checking account and debit card are not maintained in an active status throughout the term of the loan, a $100 annual fee will be assessed. Borrower will pay loan fees and closing costs ranging from $0 to $2,500. Bank may choose to waive a portion of the closing costs.