Unsecured Business Loans

Finance your business with no collateral loans.

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How Unsecured Business Loans Can Work for You

Most lenders require business owners to pledge collateral against their business loan. If your business doesn’t have many assets, you may even be asked to offer personal assets as collateral. The thought of losing your house if you suddenly can’t make business loan payments can be gut-wrenching. Unsecured loans are no collateral loans that make getting the financing your business needs much less risky.

What Are the Benefits of an Unsecured Business Loan?

Our 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. Our no collateral business loan can provide financial security and flexibility to meet your business needs. Instead of focusing on collateral, we look at your business potential and plans to determine if your business qualifies for an unsecured business loan. Apply today to see if an unsecured business loan is a right fit for your business.

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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
Cash When You Need it icon

Cash When You Need it

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

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

How to Apply

Our online unsecured business loans application is simple to use and will only take a few minutes to complete. After you apply, we’re committed to finding the right financing solution for your business. We offer flexible payment options and can customize a loan program to match your financial and payment needs.

How Do Unsecured Small Business Loans Work?

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Helpful Loan Guidance

Helpful Loan Guidance

A Loan Specialist will contact you to help you choose the right business financing option.

Quick Decision, Fast Funding

Quick Decision, Fast Funding

You could be approved, and funds deposited into your account, in as little as 24 hours.1

What Customers Are Saying

Smyth Electrical Services - Craig Hart's Story

Craig Hart, Owner

Smyth Electrical Services

As the business entered a period of expansion, having the reliability of available cash was critical to alleviating the stresses that growth can cause. Being able to rely on National Funding’s small business loans was the peace of mind that help the head of this small business rest easy.

Why National Funding?

Nobody provides a more personalized approach, with experienced Loan Specialists to guide you every step of the way and answer your funding questions. Our process makes getting the money you need to cover business expenses easy and simple.

We Know Your Industry

We Know Your Industry

We have experience helping a wide variety of business owners secure the right financing solution

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $3 billion in funding to more than 50,000 businesses nationwide

Loan Specialists Who Care

Loan Specialists Who Care

Experienced Loan Specialists help you make the right decision

High Approval Rates

High Approval Rates

Even if you’ve been turned down elsewhere, there’s still a great chance we can get you the business capital.

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments.

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.


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.


FAQ: Unsecured Business Loans

Learning more about unsecured loans and how they work can help you feel more confident about applying for a loan. Read our frequently asked questions about applying for and using unsecured loans for your business.

How do I get no collateral loans?
With online unsecured business loans from alternative lenders like National Funding, getting an unsecured loan is easier than ever. Simply fill out an online application – the easy application should only take a few minutes to complete. We’ll reach out to you to learn more about your needs and financial situation to create a customized loan program for your business.
How can I benefit from a no collateral business loan?
The best part of an unsecured loan is the fact that you probably won’t have to give up your house if you miss a payment. This makes it possible to get the business financing you need without worrying about losing valuable personal assets. Unsecured business loans for bad credit are also ideal if you’re unsure if you can get approved for a traditional business loan.

Ratings & Reviews

We are very proud of what our customers are saying on TrustPilot.

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Products offered by National Funding and affiliates are business loans only. The products may be provided by third parties and subject to lender approval. In California, loans made or arranged pursuant to a California Financing Law License.