Merchant cash advances, revenue-based funding and many online lines of credit are unsecured by specific assets; expect a personal guarantee.
Check my optionsCredit
Many small businesses lack real estate or valuable equipment to pledge. Several financing options are approved on cash flow, receivables or the owner credit instead, though most still involve a personal guarantee.
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.
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.
A human reads the file, not just an algorithm score.
Approved files are usually funded the next business day.
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.
Revenue-based funding and merchant cash advances are the most widely available collateral-free options. They are underwritten on bank deposits, consider credit from 500 and do not require pledging property or vehicles. Funders usually file a UCC notice on business receivables and ask for an owner guarantee, so read those sections, but no house or truck is put up as security.
Unsecured business lines of credit and term loans from online lenders rely on revenue, time in business and credit. They tend to require somewhat stronger credit than revenue-based products but offer lower costs and, for lines, the flexibility to draw only what you need. Business credit cards are another unsecured option for smaller, short-term needs.
Invoice factoring uses your receivables rather than hard collateral: the factor buys invoices from creditworthy customers and advances most of their value. Approval depends mainly on your customers, which makes factoring accessible to younger businesses with strong commercial clients.
SBA loans can be made without full collateral coverage in some cases, since lenders follow SBA collateral policies that do not decline a loan solely for lack of collateral, but they still take available collateral and require strong overall applications. CDFIs and microlenders may also be flexible about collateral.
The trade-off of unsecured options is cost: without hard collateral, funders price in more risk. Compare total repayment and payment structure across options. MFE reaches multiple funders offering unsecured products with one application.
Owners sometimes overlook that unsecured options can be combined with modest collateral elsewhere. For example, a business might finance a vehicle with equipment financing secured by the vehicle while using unsecured working capital for inventory. Matching each need to the right product keeps total costs lower.
When comparing unsecured offers, pay particular attention to the guarantee language and the UCC filing scope, since these are the substitutes for collateral. Two offers with similar cost can differ significantly in how much personal or business exposure they create.
Here is an unsecured, deposits-based offer. 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.
| Revenue-based funding / MCA | Deposits-based, credit from 500 |
| Unsecured line or term loan | Revenue and credit-based |
| Business credit card | Small, short-term needs |
| Invoice factoring | Receivables, not hard collateral |
| SBA / CDFI | Flexible collateral policies |
Good fit:
Probably not yet:
Revenue-based funding, unsecured lines and loans, business cards and factoring.
Usually a personal or performance guarantee is required.
Lenders follow SBA policies that do not decline solely for lack of collateral, but available collateral is typically taken.
Funders take more risk without hard collateral.
A public notice of a funder interest in business receivables or assets.
Options begin at 500.
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