Unsecured Business Loans

Finance your business with no collateral loans.

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How Unsecured Business Loans Can Work for You

Pledging collateral against a business loan is a common practice for most lenders. For businesses without many assets, lenders may ask borrowers to offer personal assets as collateral. The thought of losing your house if you suddenly can’t make business loan payments can add a lot of unwanted stress. Unsecured loans are no-collateral loans that make getting the financing your business needs much less risky.

What is an Unsecured Business Loan?

It’s a loan that isn’t backed by specific collateral, like property, equipment, or inventory. However, many unsecured loans are backed by a personal guarantee or a UCC lien. An unsecured loan is a great option if your business doesn’t have physical assets, or you don’t want to provide any personal assets.

What Are the Benefits of an Unsecured Business Loan?

Unsecured business loans allow you to focus on the important aspects of your business without having to worry about the possibility of losing assets. Since unsecured business loans do not require collateral to secure funding, there is less risk of losing business or personal assets. No-collateral business loans can provide financial security and flexibility to meet your business needs and often rely on a personal guarantee. Instead of focusing on collateral, lenders look at your business potential and plans to determine if your business qualifies for an unsecured business loan.

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Easier Qualifications

  • Unsecured loans from alternative lenders generally offer less stringent credit or financial requirements
  • Alternative lenders also have higher approval rates than many traditional lending options
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Cash When You Need it

  • You can take out a loan when you need it most and not worry about losing personal assets
  • Cover the cost of unexpected vendor invoices or repair bills without the risk of draining cash reserves
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No Assets, No Problem

  • Some business owners may not have personal or business assets to offer as collateral
  • Get the cash your business needs, even if you don’t have valuable assets
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Keep Things Separate

  • Cover the costs of unexpected equipment repairs or a large tax bill using an unsecured business loan
  • Use unsecured business loans to invest in long-term growth plans, setting your business up for future success

Unsecured Business Loans Resources

Understanding business loans can be confusing. We’ve put together important resources to help you better understand how a loan without collateral works – and how it can help your business.

Business Growth Funds: The Difference Between a Loan and a Cash Advance

Business Growth Funds: The Difference Between a Loan and a Cash Advance

There are different types of no collateral lending options for business owners. Discovering which one work best for your business is important to your success. Read this post to learn the differences, advantages and disadvantages of business loans and cash advances.

What Are Direct Lender Loans?

Wondering how alternative lenders are able to offer loans without collateral requirements? Many alternative and online lenders are direct lenders, meaning they lend money without a middleman. See how this can potentially help your business get approved for a loan.

What Are Direct Lender Loans?

How Much Do You Know About Business Credit?

How Much Do You Know About Business Credit?

You probably know you’re supposed to keep a high personal credit score. Did you know there’s a separate credit rating for your business? Check out this post to learn more about business credit and why it’s important for you.