Business Funding With No Personal Guarantee
You've built something real and you're not signing your house away to grow it. Here's the honest difference between a personal guarantee, a UCC, and "unsecured" — and how our revenue-based options limit what you're personally on the hook for.
Check Your Rate — No Credit ImpactSee how much your business qualifies for
$10K to $5M in business funding — approved on your revenue, funded as fast as 24 hours. All credit 500+. No collateral for working capital.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
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"I'm not putting my house on the line to fund my business"
You've been around long enough to read the fine print. You know that most "unsecured" and "no collateral" funding pages are bait — you get to the contract and there it is: a personal guarantee that makes you personally liable for the whole balance if the business can't pay. So you're doing the smart thing and searching specifically for funding with no personal guarantee before you apply anywhere.
Here's the honest version most lenders won't give you: a true zero-liability business loan for a small business is rare, and anyone promising it up front is usually hiding the guarantee three clicks deep. What actually exists — and what we can do for most businesses — is funding structured on your revenue that limits your personal exposure instead of putting everything you own behind it. Let's define the terms so you know exactly what you're signing.
PG vs. UCC vs. "unsecured" — plain English
- Personal guarantee (PG): A signature that makes you personally responsible for the debt if the business defaults. The lender can come after your personal assets. This is the thing you're trying to avoid.
- UCC lien / blanket lien: A filing that gives the funder a claim against your business assets — not your personal ones. It's not the same as a personal guarantee, though "unsecured" pages love to blur the two.
- Unsecured: No specific collateral pledged (no house, no equipment title). "Unsecured" does not automatically mean "no personal guarantee." Read those two lines separately, every time.
Our core product is revenue-based financing: we advance capital and get repaid from a small fixed slice of your future deposits. Because repayment is tied to your revenue, we can offer terms that reduce or limit personal liability compared to a traditional bank loan — no home, no personal real estate pledged as collateral for working capital. When a personal guarantee applies to a specific file, we tell you before you sign, not after.
How it works
- 1. Apply and soft-pull. Fill out the online application. We check your credit with a soft pull — it does not ding your score — and FICO 500+ is fine. Approval is based on your bank deposits, not your credit score.
- 2. Send 3–6 months of business bank statements. We read your real cash flow. That's what the offer is built on. We show you the structure, the term, and exactly what liability — if any — is attached, in writing.
- 3. Review, sign, get funded. You see the terms before you commit. Submit your statements before early afternoon ET on a weekday, get signed, and it's a same-day funding. Friday afternoon lands Monday.
A real example
A landscaping company doing about $60K/month in deposits needed $80K to buy two trucks for spring. They didn't want a lien on their home. We funded revenue-based, repaid from a fixed daily slice of deposits, no personal real estate pledged as collateral. Statements in Tuesday morning, funded Tuesday afternoon.
Who qualifies
$10K–$5M based on your deposits. Most industries. Roughly 6+ months in business and consistent revenue in the bank. FICO 500+ works. No collateral required for working capital.
What we won't do
We won't call a product "no personal guarantee" and then spring one on you at signing. If a guarantee applies to your file, you'll know before you sign — that's the whole point of shopping on terms.
Straight answers
Can I really get business funding with no personal guarantee?
For many revenue-based files, yes — structured so you're not pledging personal assets. For some profiles a limited guarantee applies. The difference is we tell you which one your file is before you sign, in writing. Apply, send statements, and you'll see your actual terms.
Is a UCC lien the same as a personal guarantee?
No. A UCC lien is a claim on business assets. A personal guarantee is a claim on you personally. A lot of "unsecured" pages count on you not knowing the difference.
Does checking hurt my credit?
No. We use a soft credit pull to check eligibility. It does not affect your score. FICO 500+ is fine because approval is driven by your bank deposits.
Do I have to pledge my house or collateral?
Not for working capital. Our revenue-based funding is repaid from a fixed slice of your deposits — no home or personal real estate pledged as collateral.
How fast is funding?
As little as 24 hours. Submit statements before early afternoon ET on a weekday and get signed the same day, and it's typically same-day funding. Friday afternoon submissions fund Monday.
How much can I get?
$10K to $5M, sized to your monthly deposits — not your credit score.
Shop on terms, then fund fast
You did the right thing reading the fine print before applying. Do the same with us: apply, send statements, and see the exact structure and liability in writing before you sign anything. Soft credit pull to check, FICO 500+ OK, funded in as little as 24 hours.
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