What "unsecured" means
Secured financing requires specific collateral — real estate, vehicles, equipment or cash deposits — that the lender can take if you default. Unsecured business funding doesn't require you to pledge a specific asset. Instead, approval is based on your revenue history and business performance.
Note that many merchant cash advance agreements include a personal guarantee of performance and a UCC filing on business receivables. Make sure you understand exactly what any agreement includes before you sign.
Benefits of no-collateral funding
- Faster approvals — no appraisals or asset valuations
- Your property stays yours — no liens on your home or equipment title
- Works for service businesses that don't own significant hard assets
- Simple documentation — mainly bank statements and basic business information
How much unsecured funding can you qualify for?
Amounts range from $10K to $5M, based mainly on monthly revenue, time in business and existing obligations. Use our funding calculator to estimate costs, then apply to see real offers.
Funding by industry
Restaurants · Trucking · Construction · Medical & Dental · Retail Stores · Auto Repair Shops · Salons & Spas · E-commerce · Landscaping · HVAC & Plumbing · Manufacturing · Wholesale & Distribution · Gyms & Fitness · Hotels & Hospitality