Fast Unsecured Business Loans Without Asset Collateral
Get the working capital your business needs based on your cash flow. No equipment, inventory, or real estate pledges required to qualify.
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No hard credit pull About 3 minutes, plus upload Commercial financing only
Matched to the right lender — one at a time, no hard credit pull to explore.
BBB profile &Chamber member
Our borrower standard
Borrower Protection Standards
One advisor, one matched lender
Your file goes to one lender at a time — never broadcast or auctioned.
Never sold to lead lists
Your information and documents are not sold to lead buyers.
No hard credit pull to explore
No hard credit pull to explore your options.
Commercial only, costs explained
Business-purpose financing; we walk through costs and payoff before you sign.
See which funding options you qualify for
Four quick questions. No hard credit pull, no documents, no phone call to get started — just a clear read on where your business stands against our lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
One advisor, one lender at a time. Your file is never sold or auctioned.
From a small working-capital bridge to major expansion capital.
Approval, rates and timing depend on underwriting and are never guaranteed.
Basic intake takes about 3 minutes, plus upload separately.
Three steps from application to funded
Apply — about 3 minutes, plus upload
Tell us your revenue, time in business and how much you need. About 3 minutes, plus upload. No hard credit pull to explore.
We match your file
A funding advisor matches your file to one suitable lender at a time, with your consent.
Review and get funded
Review any available terms with no obligation. Approval, rates and timing are never guaranteed.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Growth Capital Without Risking Your Physical Assets
Traditional lenders demand hard collateral before they even consider an application. Our unsecured business loans look at the true health of your business—your revenue—allowing you to leverage opportunities instantly without putting your company assets on the line.
Zero Asset Pledges
Keep your real estate, inventory, and equipment completely free from lender liens.
- Collateral
- None required—no equipment, inventory, or real estate pledges.
- Qualification
- Approval based on your revenue and cash flow, not assets.
Unrestricted Use
Deploy your funds immediately for payroll, marketing, inventory, or expansion.
- Use of Funds
- Payroll, marketing, inventory, expansion—no restrictions.
- Speed
- Funds deposited directly into your business checking account.
Preserved Equity
Infuse capital into your business operations without diluting your ownership shares.
- Ownership
- Keep 100% of your equity—no dilution of ownership shares.
- Repayment
- Flexible terms matched to your monthly cash flow cycles.
Unsecured Pre-Screen Indicator
Check if your business revenue structure meets unsecured cash flow limits. Enter your average gross monthly deposits to see your match instantly.
Your revenue path meets the target threshold for rapid capital access without personal collateral asset liens.
The Midwest · Commercial cleaning
The situation. A commercial cleaning company won an eight-building contract and needed equipment, supplies, and payroll covered before the first invoices could be billed. With no hard assets to pledge and the start date already set, a traditional collateralized bank loan was not an option.
What we did.
- Read the signed contract, the deposit history, and the payroll math for the new crews.
- Structured about $95K as an unsecured term loan — qualified on cash flow and the contract, not on collateral.
- Kept the owner's bank accounts and equipment unencumbered so daily operations stayed flexible.
The outcome. The company staffed and equipped all eight buildings on schedule and turned the contract into its largest recurring account.
Approval is never guaranteed, and timing depends on the program and the lender.
Unsecured Term Loan
- Amount placed:
- About $95K
- Timing:
- Depends on the program and the lender
Unsecured Loan Eligibility Estimator
Answer three quick questions and see where your business stands before you apply. This is the same information lending partners weigh first — revenue, time in business, and credit.
Your Business Snapshot
Adjust each figure to match your business. Nothing here is saved or shared.
Revenue and consistent deposits carry the most weight here — a lower credit score with steady bank activity often still gets funded. Treat the result as a readiness check, not an approval.
This is an educational estimate, not an offer or approval. Every application is reviewed in underwriting — applying is free and requires no hard credit pull.
What this calculator works out
This unsecured business loan calculator estimates how your revenue, time in business, and credit score line up with no-collateral business loan requirements, so you can see your qualifying position before submitting an application.
Working Capital Estimator
See how much working capital your revenue commonly supports and what the weekly payment looks like at typical terms. Move the sliders to match your business.
Your Numbers
Working capital is commonly sized between half and one full month of revenue. Terms often run 6 to 24 months.
If the weekly payment is more than about 10% of your weekly deposits, reduce the amount or lengthen the term. Financing should be covered by the cash the money helps you produce.
Educational estimate only, not an offer or approval. Amounts, rates, and terms are set by the funding partner in underwriting.
What this calculator works out
This working capital estimator shows how much unsecured capital your monthly revenue commonly supports and what the weekly payment looks like at typical terms.
The Streamlined Financing Process
Revenue-based qualification built for modern entrepreneurs who value execution speed over perfect historical credit.
Speed to Wallet
Funds deposited directly into your business checking account in under 48 hours.
Revenue-Based Qualification
Your monthly bank deposits and business health dictate your approval.
Flexible Credit Profiles
Designed for modern entrepreneurs who value execution speed over perfect historical credit.
Minimal Paperwork
Apply without the mountains of red tape demanded by corporate institutional banks.
Questions, Answered
An unsecured business loan requires no collateral—no equipment, inventory, or real estate pledges. Approval is based on your business revenue and cash flow health rather than the assets you can put up as security. Inventory financing →
Unsecured cash flow lending typically requires at least $10,000 in average gross monthly deposits, with stronger terms available above $25,000. Use the pre-screen indicator above to check your match instantly.
Once you complete your digital application and select your preferred option, funds can be deposited directly into your business checking account in under 48 hours.
No. Our initial application requires no hard credit pull to explore available lender offers, so your personal credit score remains protected. Credit score guide →
Check Your Eligibility for an Unsecured Loan Today
The application takes about 3 minutes, plus upload separately. No hard credit pull to explore; one advisor matches your file to one suitable lender. Approval, rates and timing are never guaranteed.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review involves no hard credit pull to explore your options.
Prefer to talk it through? Call 1.877.977.3015
Do you qualify
Unsecured Loan Qualification Snapshot
- Revenue
- Consistent monthly deposits
- Time in business
- Often 1–2+ years
- Credit
- Stronger personal and business credit improves options
- Collateral
- No specific collateral; a personal guarantee is common
Typical starting points. Final terms vary by lending partner and are never guaranteed.
Unsecured Loan vs. Secured Loan
| Unsecured Loan | Secured Loan | |
|---|---|---|
| Collateral | None pledged; personal guarantee common | Specific assets pledged |
| Speed | Often faster to fund | Can take longer for appraisal |
| Cost | Usually higher rate | Usually lower rate |
| Best for | Fast needs without pledging assets | Larger amounts at lower cost |