1) Open and use a business bank account. 2) Build three to six months of steady deposits. 3) Apply for revenue-based funding. 4) Compare offers. 5) Sign with a personal guarantee instead of collateral.
Check my optionsCredit
Unsecured business capital is approved on cash flow instead of pledged assets. Following a simple sequence, from preparing statements to comparing offers, gets you there faster and on better terms.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
You can apply at 500; stronger credit opens more products.
A human reads the file, not just an algorithm score.
Advances, lines of credit and second-position options in one place.
A person reviews your revenue, time in business and bank activity, often within hours.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Step one: confirm the product type. Unsecured options for small businesses include merchant cash advances, revenue-based financing, some online lines of credit and short-term loans. Most are underwritten on bank deposits and do not require pledging property or vehicles, though a personal guarantee and a UCC filing on business receivables are common. Decide which fits your need: a one-time amount or a revolving line.
Step two: prepare your statements. Gather three to six months of complete business bank statements. Check for negative days, large unexplained transfers and personal transactions. If the last few weeks look weak, consider waiting for cleaner statements. Step three: list every existing loan or advance with balance and payment, since underwriters will see them anyway.
Step four: apply once, completely. A marketplace application through MFE reaches multiple funders with one submission and considers credit from 500. Include ID for each owner above the funder ownership threshold, basic business details and a short note on how the funds will be used. Respond quickly to any verification calls.
Step five: compare and read. Put each offer into the same numbers: net cash, total payback, payment amount and frequency, term and early-payoff discount. Then read the guarantee, UCC and reconciliation sections. Step six: after funding, keep balances positive and payments current; that history earns larger, cheaper unsecured offers on renewal.
A practical extra step is to request a sample agreement before formally applying. Reviewing the guarantee, UCC and reconciliation language in advance lets you decide whether the terms are acceptable before investing time in underwriting, and gives you a basis for comparing funders.
Finally, plan the end of the agreement on day one. Note the expected completion date, any early-payoff windows and the steps to request UCC termination. Unsecured funding that finishes cleanly strengthens your file for the next round.
Here is an unsecured offer that results from that process. Illustrative numbers.
| 500–549 | Revenue-based funding; strongest deposits needed |
| 550–599 | Revenue-based funding and renewals |
| 600–649 | More funders compete; better terms |
| 650+ | Lines of credit and term loans open up |
Minimum to apply is 500. Deposits, balances and time in business still carry the most weight.
| 1. Choose product type | Lump sum or revolving |
| 2. Prepare statements | 3-6 months, all pages |
| 3. List existing debts | Balances and payments |
| 4. Apply once, completely | Marketplace reaches multiple funders |
| 5-6. Compare, read, repay well | Builds better future offers |
Good fit:
Probably not yet:
Yes, revenue-based funding and many online products are not secured by specific assets.
Usually a personal or performance guarantee is required.
A public notice of the funder interest in business receivables or assets.
Usually three to six months.
Through a marketplace like MFE, yes.
Keep balances positive and pay on time.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding