{"citations":{"source_mix":{"company_owned":93,"independent":73,"unclear":1},"sources_referenced_by_questions":0,"support_mix":{"direct":115,"partial":33},"total_sources":167,"unique_domain_count":63},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best HELOC Lenders for Business Owners Using Home Equity for Business Capital","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Business capital funded through personal home equity","subject":"Figure","unit":"rank","value":1},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Figure","unit":"platforms","value":4},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok"],"predicate":"final_consensus_rank","qualifier":"Business capital funded through personal home equity","subject":"Spring EQ","unit":"rank","value":2},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Spring EQ","unit":"platforms","value":4},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"final_consensus_rank","qualifier":"Business capital funded through personal home equity","subject":"Navy Federal Credit Union","unit":"rank","value":3},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Navy Federal Credit Union","unit":"platforms","value":4},{"claim_id":"claim-008","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok"],"predicate":"final_consensus_rank","qualifier":"Business capital funded through personal home equity","subject":"Better Mortgage","unit":"rank","value":4},{"claim_id":"claim-009","confidence":"verified","observed_at":"2026-09-29","platform_support":["google","grok"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Better Mortgage","unit":"platforms","value":2},{"claim_id":"claim-010","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"final_consensus_rank","qualifier":"Business capital funded through personal home equity","subject":"Connexus Credit Union","unit":"rank","value":5},{"claim_id":"claim-011","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Connexus Credit Union","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":2.25,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":1,"name":"Figure","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":4.75,"best_rank":2,"entity_id":"entity-002","entity_type":"company","final_rank":2,"name":"Spring EQ","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":4.75,"best_rank":3,"entity_id":"entity-003","entity_type":"company","final_rank":3,"name":"Navy Federal Credit Union","platform_mentions":4,"platform_share":0.5714285714285714},{"average_rank":1.5,"best_rank":1,"entity_id":"entity-004","entity_type":"company","final_rank":4,"name":"Better Mortgage","platform_mentions":2,"platform_share":0.2857142857142857},{"average_rank":6.5,"best_rank":6,"entity_id":"entity-005","entity_type":"company","final_rank":5,"name":"Connexus Credit Union","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/business-capital-heloc.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/business-capital-heloc","report_type":"best_of_index","study_id":"MCI-STUDY-F034E5D3E887","title":"Best HELOC Lenders for Business Owners Using Home Equity for Business Capital (2026)"},"limitations":["Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.","The finalrankingtable is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Ignore any conflicting value embedded in a entity evidence bundle.","The Consensus Ranking table must contain exactly one row per finalrankingtable entity, in that order, using that exact entityname. Never split one ranked entity into two product, model, SKU, or product-line rows, and never add another ranking row for a brand already listed. Put recommended products or plans inside that entity's ranked section.","Platform mentions count only ranking-discovery mentions. Do not substitute the number of platforms that later completed a fit assessment.","Citation IDs inside each entity bundle are local to that entity. Consolidate sources by URL using the supplied source catalog.","The URLs were collected from platform responses and were not independently validated by either writer stage.","Each fitreviewurlorplaceholder is the final site-relative CMS path for that entity's review. Link the entity name to that exact path exactly once in its ranked prose section, outside tables and headings. Never replace it with a run ID, report ID, UUID, or local output path.","Use the exact entity-namespaced citation IDs from the source catalog (e.g. e1:); never transfer a citation between entities."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-29 20:57:17.636413+00","research_date":"2026-09-29","source_snapshot_sha256":"fea6805f5bf48201c369d3bdfe3cff2de5c9a633b9a9db36ccf2807703cdd8fd","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":41,"qualified_finalists":5,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Figure is the consensus leader among business-purpose HELOC lenders for business capital funded through personal home equity, named by 4 of 7 platforms (57.1%) at an average listed position of 2.25 and a best position of 1. Spring EQ and Navy Federal Credit Union tie on mentions and average position (4.75), while Better Mortgage holds the strongest average listed position (1.5) but was named by only 2 platforms. The study covered 7 AI platforms, 41 unique entities, and 5 qualifying lenders named by at least two platforms. The principal limitation: this is a single standardized prompt sent…","target_buyer":"A small business owner who wants to use personal home equity as a funding source for business operations or expansion.","topic":{"base_category":"Home Equity Loan and HELOC Lenders","category_criteria":["underwriting acceptance of business-purpose use","line size adequacy for business needs","speed of access to funds","documentation requirements"],"geography":"United States","slug":"best-heloc-lenders-for-business-owners-using-home-equity-for-business-capital","title":"Best HELOC Lenders for Business Owners Using Home Equity for Business Capital","use_case":"Business capital funded through personal home equity"}}