Unsecured Business Funding

Unsecured means no collateral is pledged to secure the funding. Your real estate, vehicles, equipment, and inventory are not at risk if the business struggles. The funding is underwritten on your revenue and cash flow instead: if your business consistently brings in revenue, that revenue is the basis of the decision.

Our funding is unsecured in this sense. A lump sum is advanced to your business and repaid automatically from future revenue, with factor-rate pricing and no interest charged. No UCC lien is filed against your equipment, and no property secures the deal. This is not a loan. All funding is subject to approval and underwriting.

Unsecured does not mean no obligations and it does not mean no underwriting. You still sign a binding agreement, repayment still happens automatically on the agreed schedule, and defaulting still has real consequences, including collection and legal action.

It also does not mean funding without any qualifications. You still need to show consistent revenue, typically $50,000 or more per month averaged, and at least 1 year in business. Unsecured shifts the basis of approval from assets to cash flow; it does not remove standards entirely.

Service businesses are the classic fit: agencies, contractors, consultants, and trades that earn strong revenue but own little equipment worth pledging. A marketing agency doing $200,000 a month has no trucks or warehouses to offer a bank, but its revenue tells the real story.

It also fits owners who have assets but refuse to risk them on short-term capital. Borrowing against your building to cover a seasonal inventory buy puts a long-term asset at stake for a short-term need. Unsecured funding keeps the two separate.

Secured financing is cheaper. When a lender holds collateral, its risk drops and its price follows, which is why bank loans and equipment financing beat factor rates on cost. If you have strong credit, time to wait, and collateral you are comfortable pledging, secured is the better price.

Unsecured funding trades that price for access and speed: approval in as little as 24 hours, revenue-based underwriting that looks past thin collateral and imperfect credit, and no asset on the line. Pay the higher factor rate for capital you could not get secured, or get it weeks sooner. Do not pay it for needs a cheaper secured option could handle.

Because the funder takes more risk without collateral, the cost reflects it. There is no interest charged; your total payback is the advance amount multiplied by a factor rate. A $50,000 advance at a 1.25 factor rate means you repay $62,500 total, fixed from day one.

Our factor rates start at 1.20, and stronger revenue with cleaner bank statements earns better rates. The full cost is disclosed in writing before you sign. Compare it against secured quotes you have received: if secured financing is available to you at a much lower price and your need is not urgent, it may be the smarter move, and we will tell you so.

Unsecured underwriting leans entirely on revenue, so revenue quality is everything. Most funded businesses have at least 1 year in business, average $50,000 or more in monthly revenue, and show consistent deposits in an active business bank account.

Credit is reviewed but strong credit is not required, and there is nothing to appraise or inspect, which is part of why approvals move fast. Open bankruptcies and recent defaults on other advances are the main disqualifiers.