Working capital without pledging your home or savings.

Frequently asked questions

01

What does 'unsecured' actually mean?

It means the financing is not secured against your home, savings or other traditional collateral under the qualifying program. Lenders still assess the business carefully — they simply do so primarily on revenue, banking history, cash flow and operating stability rather than on property. You are not putting your house on the line to access working capital.

02

How much can I borrow?

The advertised financing range for unsecured business loans is $15,000–$150,000, subject to lender approval, eligibility and transaction requirements. Rates start from 7.99%; not every applicant will qualify for the starting rate. If your requirement falls outside this range, tell us — other programs and lenders we work with can consider different amounts.

03

How fast are decisions and funding?

Approvals come back the same day for eligible applications, and applications are typically processed within 6–24 hours. Funds are deposited directly into your business bank account, so it is capital in hours rather than the week or more a conventional bank loan can take. The exact timeline depends on the program, but speed is what we are built around.

04

Will applying affect my credit score?

No. We start with a soft credit inquiry, which does not affect your credit score. A hard check only happens if you decide to proceed with an offer. Applying is completely free and there is no obligation to continue, so you can find out where you stand without any risk to your credit.

05

What do I need to qualify?

Qualifying programs commonly ask that your business has been operating for more than six months and generates a minimum level of monthly revenue — often around $10,000. You will provide basic business information and securely connect your business bank account so that revenue can be verified. Requirements vary between programs, and we tell you what the relevant one actually needs before you apply.

06

Can a newer business apply?

Yes — businesses under five years old are a core part of what we fund, and we are comfortable with owners who have never arranged commercial funding before. Many programs look for as little as six months of operating history and assess your business revenue and banking stability as the credit basis rather than insisting on a long trading history. A newer business with real revenue is a genuine applicant here, not a long shot.

07

What can I use the funds for?

Working capital, payroll, inventory, equipment, marketing, renovations or taking on a new opportunity — unsecured financing is not tied to a specific asset the way equipment finance is, so it is suited to whatever the business needs. It is also commonly used to consolidate higher-cost debt into one clear repayment.

08

Will this show up on my personal credit file?

Being checked is not the same as being reported. Commercial business funding is set up under the business rather than as a monthly trade line on your personal credit file, so adding funding over time doesn't count against your personal borrowing capacity. How any individual loan is reported depends on the program and the lender — tell us what matters to you and we will tell you what to expect before you proceed.