{"citations":{"source_mix":{"company_owned":20,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":27,"partial":6},"total_sources":33,"unique_domain_count":18},"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":["google","grok"],"predicate":"final_consensus_rank","qualifier":"Business capital funded through personal home equity","subject":"Better Mortgage","unit":"rank","value":4},{"claim_id":"claim-003","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-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["grok"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Better Mortgage","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","google"],"predicate":"fit_rating_count","qualifier":"good","subject":"Better Mortgage","unit":"platforms","value":2},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","perplexity"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Better Mortgage","unit":"platforms","value":2},{"claim_id":"claim-007","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek","kimi"],"predicate":"fit_rating_count","qualifier":"uncertain","subject":"Better Mortgage","unit":"platforms","value":2}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":1.5,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":4,"name":"Better Mortgage","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-equity-loan-and-heloc-lenders/business-capital-heloc/better-mortgage.json","page_url":"https://mortgageconsensusindex.com/home-equity-loan-and-heloc-lenders/business-capital-heloc/better-mortgage","report_type":"fit_review","study_id":"MCI-STUDY-25BEF2C927DF","title":"Better Mortgage Review for Business Owners Seeking a HELOC"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Company-owned citations materially outnumber independent citations; do not describe company claims as independently verified.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"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 20:57:20.188216+00","research_date":"2026-09-29","source_snapshot_sha256":"bf03e282b47e551d2c636a12d4132768a844d1ead1877628c98ee5f1d095e649","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":41,"qualified_finalists":5,"ranking_unit":"Home equity lender"},"schema_version":4,"summary":"Better Mortgage is a mixed fit for business capital funded through personal home equity. Two of seven platforms named it during the ranking stage, and it finished with an average listed rank of 1.5 and a best rank of 1. Its strongest reason to consider it is the Bank Statement HELOC, which qualifies self-employed and small-business owners using 12 or 24 months of personal or business bank statements instead of tax returns, W-2s, or P&Ls . The main limitation is that no reviewed public disclosure expressly confirms business-purpose use of proceeds, and the applicable maximum line is…","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"}}