No collateral. No personal guarantees on your home. No SBA paperwork or 60-day waits. We fund up to $5M based on your business revenue — and you keep full ownership of every asset you've worked to build.
Unsecured business capital is funding that's underwritten on your business's revenue — not on collateral, real estate, or hard assets. You don't pledge your home, your equipment, or your accounts receivable. We approve based on what your business actually does each month.
Most banks require collateral. SBA loans put liens on your real estate. Equipment financing locks up your trucks. Asset-based lending pledges your AR. You get the capital — but you also get a stranglehold on what you've built.
Unsecured capital doesn't work that way. Approval is based on your monthly revenue, your time in business, and your bank deposits. There's no UCC blanket lien on every asset you own. There's no second mortgage on your house.
The trade-off is simple: because there's no collateral protecting the lender, the cost is higher than a bank loan. In exchange, you get speed (24–48 hours instead of weeks), accessibility (revenue-qualified, not credit-gated), and freedom (no asset pledge).
For most growing businesses, that trade-off is the right one.
Every funding type has its place. Here's how unsecured business capital stacks up against the most common alternatives — so you can choose what's right for your situation.
Comparison reflects typical industry conditions. Actual terms vary by business profile. Bank approval rates from SBA & Federal Reserve small business surveys.
Unsecured capital is flexible — there are no restrictions on how you spend it. These are the most common reasons our clients fund up.
Four simple steps. No bureaucracy, no asset appraisals, no months of waiting. Built for business owners who don't have time to chase a loan officer.
Depending on your business profile, your offer may be structured as a business term loan, a revenue-based advance (sometimes called an MCA), or a hybrid. Your specialist will explain exactly which product fits your situation. The common thread: it's unsecured, revenue-based, and funded fast.
We don't take a lien on your real estate, equipment, or AR. There's typically a UCC-1 filing on the business itself (standard for any business funding), and a personal guarantee from the owner — but no specific asset pledge that puts your home or equipment at risk in the way an SBA or bank loan would.
Because the lender takes on more risk. There's no collateral to recover, the application is faster, the credit bar is lower, and the funds hit in days instead of months. You're paying for speed, accessibility, and the ability to keep your assets free.
A factor rate is a flat multiplier applied to your funding amount. If you take $100,000 at a 1.25 factor, you pay back $125,000 total. It's simpler and more transparent than APR for short-term funding because the total cost is fixed regardless of how fast or slow you pay it back. Your offer always shows the exact total payback amount before you sign.
Yes — and we discount it. Every deal includes early payoff tiers at 30, 60, and 90 days. Pay early and save real money on the remaining balance. Many of our clients use early payoff strategically.
Generally no. Our funding doesn't show up the same way as traditional bank debt and doesn't tie up your collateral. Many clients use unsecured capital strategically while waiting for an SBA loan to close, or to handle short-term needs without burning their bank line of credit.
Often, yes. We've funded plenty of business owners with credit scores below 600 — even into the 500s — when their business revenue tells a strong story. Credit is reviewed, but it's only one piece of the picture, not a deal-breaker.
Up to $5,000,000 for businesses with strong revenue and the right profile. Most clients fall in the $50K–$500K range, but we regularly fund deals well into seven figures. The exact amount depends on your monthly revenue, time in business, and use case.
Apply in 2 minutes. No hard credit pull. A specialist reaches out with your custom offer within hours — not days.