Unsecured Business Funding Programs
Qualify for up to $500,000 in unsecured capital. No assets or collateral required. Full liquidity in as little as 7-15 business days.
Capital Without Collateral
Traditional lenders often require extensive collateral, lengthy approval processes, and rigid qualification criteria that leave many business owners without access to the capital they need. Our unsecured funding programs provide a faster, more flexible path to business financing.
Whether you need working capital for expansion, equipment purchases, inventory, or real estate investment opportunities, our programs are designed to get you funded quickly with straightforward requirements and no prepayment penalties.
5 or 7 Year Term Loans
Fixed monthly payments with full liquidity immediately. No upfront fees, no down payment, and no prepayment penalty.
- Rates from 9-15% (based on credit strength)
- No minimum time in business
- Fixed monthly payment
- No upfront fees or down payment
- Funding in 7-15 business days
- No assets or collateral required
- No prepayment penalty
Requirements:
- 680+ personal credit score (all 3 bureaus)
- 2 years personal tax returns showing $50,000+ taxable income
Business Credit Card Program
Access 0% interest for 6-12 months with flexible credit that reports only to your business, not your personal credit.
- 0% interest for 6-12 months
- No minimum time in business
- Stated income (no documentation required)
- No upfront fees
- Reports only to the business
Requirements:
- 700+ personal credit score (all 3 bureaus)
- Established business entity
How It Works
Consult
Schedule a brief consultation to discuss your funding needs and determine which program fits your situation.
Apply
Complete a streamlined application with minimal documentation. No lengthy paperwork or complex requirements.
Funded
Receive your funds in as little as 7-15 business days with full liquidity to deploy as needed.
Common Uses for Unsecured Funding
Real Estate Down Payments
Use unsecured capital for earnest money deposits, down payments on investment properties, or closing cost coverage.
Business Expansion
Fund new locations, hire additional staff, or expand your service offerings without depleting cash reserves.
Equipment & Inventory
Purchase equipment, vehicles, or inventory to grow your business operations and increase revenue capacity.
Working Capital
Maintain healthy cash flow during seasonal fluctuations or bridge gaps between receivables and payables.
Program Comparison
| Feature | 5/7 Year Term Loan | Business Credit Card |
|---|---|---|
| Interest Rate | 9-15% fixed | 0% for 6-12 months |
| Credit Requirement | 680+ (all 3 bureaus) | 700+ (all 3 bureaus) |
| Income Documentation | 2 years tax returns ($50K+) | Stated income |
| Collateral Required | None | None |
| Prepayment Penalty | None | None |
| Credit Reporting | Personal & Business | Business only |
| Funding Timeline | 7-15 business days | 7-15 business days |