No specific asset pledge
Designed for businesses that don’t want financing tied to equipment, property, or inventory.
Unsecured Business Loans
If you need capital for operations, growth, or a cash-flow gap — but don’t want (or don’t have) a specific asset to pledge — unsecured options can be a strong fit. We’ll walk you through structures, costs, and tradeoffs clearly before you commit.
At a glance
Unsecured business financing focuses on business performance and cash flow — not pledging a specific asset. It can move quickly once we have complete information, and it’s designed for flexible operating needs.
No equipment, vehicle, or property needs to be pledged.
Payroll, marketing, inventory, repairs, growth.
Streamlined review once documentation is complete.
We explain cost, schedule, and tradeoffs clearly.
An unsecured business loan is financing that does not require you to pledge a specific asset (like equipment or real estate) as collateral. We evaluate fit primarily through business fundamentals such as revenue trends, cash flow stability, and operating history — and we’ll explain terms and tradeoffs in plain English.
Designed for businesses that don’t want financing tied to equipment, property, or inventory.
We focus on revenue patterns and bank activity to understand your operating rhythm.
Streamlined review once application details and documentation are complete.
Commonly used for working capital, payroll, marketing, inventory, repairs, and growth.
Unsecured options can carry different pricing and term structures than secured financing.
We’ll help you choose the simplest structure that matches your cash flow and goals.
“Unsecured” can describe a few different structures. Here are common options owners compare, and what each is best used for.
A lump sum repaid over a defined schedule — helpful for a one-time investment with predictable payments.
A revolving limit you draw from as needed — useful for ongoing operating needs and unexpected expenses.
A merchant cash advance isn't technically a loan but an upfront lump sum of money in exchange for a percentage of your future sales. It’s an unsecured financing option that’s popular with businesses that have strong daily sales but may not qualify for traditional funding. Repayments are made automatically through a percentage of daily or weekly revenue, making MCAs accessible but often more expensive due to higher fees and factor rates.
Convert unpaid invoices into cash sooner — helpful when customers pay on net terms.
The biggest difference is what backs the financing. Secured loans rely on specific collateral and may offer different pricing or longer terms. Unsecured loans don’t require a specific asset pledge and can be simpler when speed and flexibility matter.
| Feature | Secured loans | Unsecured loans |
|---|---|---|
| Collateral | Specific asset pledged (e.g., equipment, real estate) | No specific asset pledged |
| Rates & terms | Often longer terms when collateral supports it | Often structured for speed and operating flexibility |
| Funding speed | May be slower due to collateral valuation | Often faster because there’s no asset appraisal step |
| Borrowing limits | Can be larger when collateral supports it | Often based on cash flow and business fundamentals |
Unsecured loans are often used for high-impact needs where speed and simplicity matter. We’ll help you align repayment to your revenue rhythm.
Bridge staffing needs, add coverage, or hire ahead of growth.
Fund campaigns when timing is right — not months later.
Stock up, protect margins, and stay on top of supplier terms.
We primarily evaluate operating history, revenue consistency, and bank activity. Stronger fundamentals generally improve approval odds and pricing.
Established operating history helps us understand stability and performance.
Consistent deposits and healthy cash flow patterns support approval.
Expect bank statements and basic business verification; specifics vary by business.
A streamlined process built for busy owners — fast, clear, and guided.
Share basic business details and what you want to fund.
We evaluate fit and walk through cost, schedule, and tradeoffs.
Once approved, use funds for operations, growth, or timing gaps.
Three common questions owners ask before they get started.
Typically, you don’t pledge a specific asset as collateral. We evaluate the business and cash flow to determine the right-fit structure.
Common uses include payroll, marketing, inventory, repairs, growth initiatives, and bridging short-term cash flow gaps.
Often quickly once we have a complete application and required documentation. Timing varies by business and program.
Start your application in minutes. If you’d like to talk through goals, timing, and fit first, reach out — we’ll help you pick the simplest option that matches your cash flow.