Unsecured Business Loans

Funding from $10,000 to $5M with no collateral — approved on your deposits, not your credit score. FICO 500+ OK, soft pull to check.

What an unsecured business loan actually is

An unsecured business loan is funding you get without pledging property, equipment, real estate, or any other asset as security. You are not putting your building, your trucks, or your inventory on the line to get approved. The lender is betting on your business's cash flow instead of on something they can seize if things go wrong.

That is the whole idea behind how we fund. We look at your recent bank deposits to see money moving through your business. If the revenue is there, you can qualify — no collateral required for working capital. Amounts run from $10,000 to $5 million (the minimum is always $10,000), and funding can land in as little as 24 hours.

Unsecured vs. secured — the honest difference

It helps to be straight about the trade-off, because "unsecured" is not automatically better for every situation. Here is how the two compare.

How you get approved without collateral

Since there is no asset backing the loan, the approval rests on one thing: can your business support the payments. We read that from your bank statements.

• Deposits, not credit score. We approve on the money flowing through your accounts. A strong deposit history can outweigh a weak FICO. FICO 500+ is fine.
• Soft pull to check. Seeing your options does not ding your credit. The soft pull lets us pre-qualify you without a hard inquiry.
• No collateral for working capital. You are not signing over any assets to get funded.
• Simple file. Recent business bank statements plus a signed agreement is the core of it — no appraisals, no lien searches, no waiting on a title company.

A real dollar example

Say you run a business doing $40,000 a month in deposits and you need $30,000 to cover payroll and a bulk inventory buy. With an unsecured advance, you send recent statements, we verify the deposits, and you get an offer with a fixed total payback and a set repayment schedule. You know the full cost up front — one number, no surprises, nothing of yours pledged. If the deposits support it, the money can be in your account within a day.

How fast this really moves

Speed is the main reason owners go unsecured, so here is the honest rule. If you send your statements and return the signed agreement before early afternoon Eastern on a weekday, same-day funding is on the table. Send it Friday afternoon and you're most likely looking at Monday. No collateral means nothing to appraise, so there is nothing slowing the timeline down except the paperwork itself.

Straight answers

Do I really not need any collateral?

For working capital, no collateral is required. Approval is based on your business bank deposits, not on pledging property or equipment.

What credit score do I need for an unsecured business loan?

FICO 500+ is workable. We weight your deposits more heavily than your score, so strong revenue can carry a lower credit profile.

Will checking my options hurt my credit?

No. We use a soft pull to check and pre-qualify you. That does not affect your credit score.

How much can I get?

From $10,000 up to $5 million. The minimum is $10,000 — we don't fund below that.

How is this different from a secured loan?

A secured loan requires you to pledge an asset the lender can take if you default. An unsecured loan does not — you keep control of everything you own, and approval leans on cash flow instead of collateral.

How soon can I get funded?

As little as 24 hours. Send statements and a signed agreement before early afternoon ET on a weekday and same-day is possible; Friday typically funds Monday.

Ready to see what you qualify for with no collateral on the line? It takes a soft pull and your recent statements — apply now and get a real offer.