Don't want to pledge your home, equipment, or property? Unsecured business financing approves on your revenue and credit instead of a specific asset—so you can get funded without putting hard collateral on the line.
An unsecured business loan is financing that doesn't require you to pledge a specific asset—like real estate or equipment—as collateral. Instead, lenders underwrite on your revenue, cash flow, and credit. One important nuance: "unsecured" doesn't mean "no strings." Most unsecured loans still include a personal guarantee and a general UCC lien on business assets. What you avoid is tying a particular property to the loan.
| Feature | Unsecured | Secured |
|---|---|---|
| Specific collateral | Not required | Required (property, equipment, etc.) |
| Underwriting basis | Revenue & credit | Collateral value + revenue & credit |
| Personal guarantee | Usually yes | Usually yes |
| Typical rates | Slightly higher | Often lower |
| Typical limits | $10K-$500K+ | Higher (into the millions) |
| Speed | Faster | Slower (appraisal, lien filing) |
| Best for | Speed, flexibility, no asset risk | Lowest cost, largest amounts |
These products are commonly available without specific collateral for qualified businesses:
| Option | Best for | Notes |
|---|---|---|
| Unsecured line of credit | Flexible, ongoing access | Draw, repay, reuse; see best unsecured LOCs 2026 |
| Working capital loan | Payroll, inventory, cash flow | Fast; underwrites on deposits |
| Unsecured term loan | A defined project or purchase | Lump sum; see secured vs unsecured term loan |
| Revenue-based financing | Strong sales, flexible repayment | Repayment flexes with revenue |
| Merchant cash advance | Card-heavy businesses | Advance on future sales |
Without collateral, lenders lean harder on your numbers. Most businesses qualify with:
Credit on the lower end? Unsecured revenue-based options still apply—see business loans for bad credit. Apply to see your options.
Choose a line of credit, working capital loan, term loan, or revenue-based financing.
Gather 3-6 months of bank statements and basic financials—no appraisals needed.
One application reaches multiple lenders offering no-collateral options.
Choose the best terms; short-term unsecured funding often arrives in 1-3 business days.
Financing that doesn't require you to pledge a specific asset as collateral. Lenders rely on revenue, cash flow, and credit. Most still include a personal guarantee and a general UCC lien.
Yes—lines of credit, working capital loans, term loans, and revenue-based financing are commonly available without specific collateral for qualified businesses.
Usually yes. Even without specific collateral, most lenders require a personal guarantee and often file a general UCC lien on business assets.
Often slightly—less lender protection can mean higher rates, shorter terms, and lower limits. Strong revenue and credit narrow the gap.
Commonly $10,000 to $500,000 depending on revenue, time in business, and credit. Larger unsecured facilities exist for strong businesses; secured loans handle the biggest amounts.
Keep your property and equipment off the table. Submit one application and we'll match you with lenders offering unsecured, no-collateral financing based on your revenue and credit.