Unsecured Term Loans for Startups
Need capital to launch or grow — but don’t have revenue, assets, or years in business? Our unsecured term loan program is designed for founders just like you. With no collateral required, fast approvals, and terms of up to 7 years, this is a flexible, affordable way to get the funding you need to move forward.
What Is an Unsecured Term Loan?
Unlike traditional bank loans, unsecured term loans are based on your personal credit and verifiable income, not your business performance or assets. This makes them ideal for startups or entrepreneurs looking to invest in their business early — without giving up equity or relying on complex documentation.
Program Snapshot
Loan Amounts
Up to $250K
Term Lengths
3 to 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
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.
Who This Program is For
- 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
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
Explore Your Funding Options
We’ll help you compare unsecured term loans with other startup programs — like 0% APR credit stacking or SBA microloans — so you can find the best fit for your goals.
Minimum Requirements:
- U.S. or Canadian resident
- 660+ FICO score (higher preferred)
- $40K+ verifiable annual income
- No recent defaults or bankruptcies
Let’s Get You Funded
Our friendly team would love to hear from you.
