Unsecured Business Loan
A business loan that doesn't require pledging specific collateral, approved primarily on revenue, credit, and time in business instead.
Because there’s no specific asset backing the loan, unsecured financing typically relies more heavily on the business’s cash flow, credit profile, and a personal guarantee from the owner, and it often carries a higher rate than a comparable secured loan to offset that added risk.
It’s a common fit for businesses that want financing without tying up equipment, real estate, or receivables as collateral, or that simply don’t have significant assets to pledge yet.
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