Unsecured Term Loans for Emerging Businesses
Looking for capital to launch or expand your business without established revenue, major assets, or years of operating history? Our unsecured term loan program is designed for founders and early-stage entrepreneurs who need flexible funding. With no collateral required, quick approvals, and repayment terms of up to seven years, this option provides an affordable way to access the capital you need to move forward.
Unlike traditional bank financing, unsecured term loans are primarily based on your personal credit profile and verifiable income rather than your company’s performance or physical assets. This makes them an ideal solution for startups and business owners who want to invest early, grow strategically, and maintain full ownership — without complicated paperwork or giving up equity.
What Is an Unsecured Term Loan?
Program Snapshot
Loan Amounts
Up to $250K
Term Lengths
6 - 7 years
Interest Rates
Varies based on credit and income
Funding Timeline
Typically 5–10 business days
Credit Pull
Soft to pre-qualify
Why Founders Choose This Program
This program is perfect for:
No Collateral Required
Approval is based on your credit and income — not business assets.
Fixed Monthly Payments
Easy to budget, with predictable payback over time.
Use Funds However You Need
Marketing, hiring, inventory, working capital, or even MCA debt consolidation.
Great for New Businesses
Ideal for startups with little time in business or no revenue history.
Co-Signer Options Available
Have a guarantor? You may qualify for larger loan amounts.
- Founders with good personal credit (typically 660+)
- Startup businesses with no business credit or revenue
- Entrepreneurs looking for flexible, longer-term repayment
- Individuals with W-2, 1099, or verifiable income
Who This Program is For
What You’ll Need to Apply
Completed application & signed agreement
Tri-bureau credit report
Proof of income (W-2, paystubs, or tax returns)
Valid government-issued ID
No open bankruptcies
Must be 21+ with filed taxes
