Working capital for American businesses, without the collateral.
Unsecured business loans for businesses across the United States. Under qualifying programs you are not pledging real estate or other traditional collateral — lenders assess your business revenue, banking history and cash flow instead. Decisions come within hours, with funding in as little as 24 hours for eligible applications.
Rates from
7.99%
Financing
$15,000–$150,000
Unsecured does not mean unassessed.
A lender still reviews your business carefully — it simply does so on revenue, banking history and cash flow rather than on property. That is what keeps the process quick: a modest documentation requirement, and no waiting on a valuation of assets you would rather not pledge.
What we can finance
Who this is for
Compared with a bank
A bank needs weeks. We need 24 hours.
When a business needs capital or equipment, it needs an answer now. A traditional bank branch underwrites on financial statements, collateral and personal credit, and its review can run for weeks. Our commercial lenders underwrite on your business revenue and banking stability — so we can move far faster.
What a traditional bank branch 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.
The lender makes the decision and sets the terms — our job is to get your application in front of the right one.
Estimate your financing
US Unsecured Business Loan calculator
Adjust the amount, rate and term to see how the numbers move. This calculator loads with $40,000 as its default.
US Unsecured Business Loan Calculator
$15,000–$150,000 · Rates from 7.99%
Longer and shorter repayment terms are available. Final terms are set by the lender and the specific financing program.
Your estimate
Illustrative only — your rate and approved amount depend on the program, the vehicle and the applicant. Full disclosure
How the process works
What happens after you reach out.
Apply in minutes
Tell us the amount you need, what it is for and a little about the business. Applying is free, with no obligation to continue.
We review the business
We look at your revenue, banking history and cash flow, and identify which US programs are most likely to consider your profile.
Same-day decision
Eligible applications get a decision within hours. We match your file to the program most likely to approve it.
Funding in as little as 24 hours
On approval we handle the documentation and coordinate the lender through to funding, deposited into your business bank account.
One clear repayment
You repay on the schedule set by the lender, with the term and payment confirmed in your offer before you commit.
No asset pledged
Under the qualifying program, no real estate or traditional collateral is pledged — so the funding does not tie up what you already own.
Frequently asked questions
- Do you lend to businesses in the United States?
- Yes. We arrange unsecured business loans for American businesses alongside our Canadian programs. Qualifying programs work from your US business revenue and banking history.
- What does 'unsecured' actually mean?
- It means the financing is not secured against real estate, savings or other traditional collateral under the qualifying program. Lenders still assess the business carefully — they simply do so on revenue, banking history and cash flow rather than on property. You are not putting your home on the line to access working capital.
- How much can I borrow?
- The advertised financing range 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 we work with can consider different amounts.
- How fast are decisions and funding?
- You can expect a decision within hours, and funding in as little as 24 hours for eligible applications — rather than the week or more a conventional bank loan can take. The exact timeline depends on the program — unsecured programs move 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.
- Will applying affect my credit score?
- 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 free and there is no obligation to continue.
- 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 suits whatever the business needs. It is also commonly used to consolidate higher-cost debt into one repayment.
- 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.
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Ready to get started?
One team, one point of contact, from application through funding.