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Unsecured working capital from $5,000 to $10 million — no lien on your equipment, inventory or property, underwritten on revenue rather than assets.
An unsecured business loan means no lien on your equipment, inventory, or property — approval is underwritten against your revenue instead of your assets. For most small businesses that's the difference between getting funded this week and spending a month on appraisals.
Loan sizes run $5,000–$10 million with fixed terms from 4 months to 3 years. Because the lender takes more risk without collateral, rates run somewhat higher than a fully secured bank loan — the trade is speed and keeping your assets unencumbered. Qualification: 3+ months in business, $10,000+ monthly revenue, and your recent bank statements.
Unsecured amounts sit in the 80%–150% of monthly revenue band within $5,000 to $10 million. The arithmetic is the same at both ends: a business depositing $30,000 a month generally sees $24,000–$45,000, and one depositing $1.2 million a month sees $960,000–$1.8 million. Because there's no asset to fall back on, underwriting tends to be more conservative at the top of that range than it would be on an equipment deal of the same size.
Most offers include a personal guarantee — that’s standard across the industry for unsecured lending. What you avoid is a lien on specific business or personal assets. We’ll flag exactly what your offer includes before you sign.
Generally yes, somewhat — the lender carries more risk. Whether the speed and flexibility is worth it depends on what the capital earns you; our advisors will run both numbers with you.
Decisions typically within 24 business hours and funding within 24 hours of approval. No appraisal step means no appraisal delay.
It's a promise that you'll repay if the business can't. It does not pledge a specific asset, and no lien is filed against your home or equipment — but it is a real personal obligation and worth reading carefully.
Sometimes, depending on who filed it and whether it's being resolved. Raise it early — existing liens surface in diligence and are far easier to work around when disclosed up front.