American businesses. Funding without the collateral.
Unsecured business loans and revolving business lines of credit for businesses across the United States. Qualifying programs assess your revenue and banking history rather than asking you to pledge real estate or traditional collateral.
Rates from
0.99%
Funding
$15,000–$150,000
Two ways to fund a US business
A term loan when you need a set amount. A line when you need it open.
Both are unsecured under qualifying programs — no pledge of real estate or traditional collateral. The difference is how the money reaches you and how you repay it.
US Unsecured Business Loans
Working capital for American businesses, advanced without pledging real estate or traditional collateral under qualifying programs.
US Business Lines of Credit
A revolving line for American businesses — draw what you need, repay it, and draw again, paying only on the balance you use.
What we can finance
Who this is for
Why US businesses come to us
A US bank wants three years of financials. We want to see your business.
American business owners are often told the same thing — come back with more history, more collateral, more paperwork. Our commercial lenders underwrite on your revenue and banking stability instead, which is why a file a bank declines can still move here.
A decision within hours. Funding in as little as 24 hours for eligible applications.
We size up your file, match it to the program most likely to approve it, and work it through to funding.
What a traditional bank asks of you
A minimum personal credit score to be considered
Three years of financial statements, every time
Home collateral or real estate security
Review that can run for weeks before a decision
What our commercial lenders ask for instead
No impact on your personal credit
Commercial funding is set up under your business. It does not appear as a monthly trade line on your personal credit file, so adding equipment doesn't count against your personal borrowing.
No financial statements required
We do not need financial statements at all to qualify. No three years of year-ends, no accountant's package to assemble.
No home collateral
You are not putting your house on the line. No real estate security is required to qualify.
Approvals within 24 hours
Decisions come back within 24 hours, with unsecured loan funding in your bank account within 2 business days.
How it works
Six steps, one team, from application to funded.
You are not handed a form and left to chase it. Here is what actually happens once you get in touch.
Tell us what you need
Send us the basics — the amount you need and what it is for. Applying is free, with no obligation to continue.
We review the file
We look at your revenue, banking history and cash flow, and identify which US programs are likely to fit.
We prepare the application
We work with you to complete the lender application and gather the supporting documentation the program requires.
The lender assesses it
We put your application in front of the programs that fit it and keep you informed at every stage.
Documentation and funding
On approval we handle the documentation and coordinate the lender through to funding — in as little as 24 hours on qualifying programs.
One point of contact
One team handles your file from your first call right through to funded — you are never passed around.
Frequently asked questions
- Do you fund businesses in the United States?
- Yes. We arrange unsecured business loans and business lines of credit for American businesses, alongside our Canadian programs. Qualifying programs work from your US business revenue and banking history.
- Do I need to put up collateral?
- Not under the qualifying programs we place. The funding is unsecured, which means you are not pledging real estate, savings or other traditional collateral. Lenders still assess the business carefully — they simply do so on revenue, banking history and cash flow rather than on property.
- How much can a US business borrow?
- The advertised range is $15,000–$150,000, subject to lender approval, eligibility and transaction requirements. Unsecured business loans start from 7.99%, and business lines of credit from 0.99% per month. If your requirement falls outside this range, tell us — other programs we work with can consider different amounts.
- How fast can I be funded?
- You can expect a decision within hours, and funding in as little as 24 hours for eligible applications. That is the biggest practical difference between this and a traditional bank process, where a review can run for weeks. Timelines vary by program — unsecured programs are the fastest.
- What do I need to qualify?
- Qualifying programs commonly look at how long your business has been operating, your monthly revenue and your banking history. You will provide basic business information and bank statements. Requirements vary between programs, and we tell you what the relevant one actually needs before you apply.
- What can the funding be used for?
- Working capital, payroll, inventory, equipment, marketing or taking on a new opportunity. Unsecured financing is not tied to a specific asset, so it suits whatever the business actually needs — and a line of credit lets you draw only what you use.
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All rates shown are “rates from”. Not every applicant will qualify for the starting rate. The rate and terms offered depend on the applicant and the program. CBB does not guarantee approval or a specific timeline.
Ready to fund your US business?
Tell us what you need and we will take it from there — one team, one point of contact, from application through funding.