Small Business Loans Without Collateral
Not every owner has assets to pledge, and small business loans without collateral are widely available because unsecured lending is built around your cash flow instead. If your business posts steady monthly deposits, lenders can extend term loans, lines of credit, and working capital without a lien on your property, they're underwriting your revenue, not your assets. Quordx Capital matches your profile to the unsecured lenders in our 50+ network, with decisions in 24-48 hours and no cost to you. No collateral doesn't mean no options.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
How Unsecured Funding Works
Without collateral to fall back on, lenders rely on your bank statements, revenue, time in business, and credit to gauge repayment risk. Strong, consistent deposits are what make unsecured approval possible.
Because the lender has nothing to seize if things go wrong, they price that exposure into the rate, unsecured funding almost always costs more than a comparable secured loan. The upside is that your home, equipment, and savings stay unencumbered, which can be worth the premium when you'd rather not tie up assets. Many owners weigh a slightly higher rate against the freedom of keeping collateral free.
Quordx Capital matches your profile to lenders comfortable lending unsecured to businesses like yours, surfacing real, comparable offers from one application.
Which Funding Options Fit?
Working Capital Loan: Unsecured lump sum based on revenue, $5K, $500K. Best for operating needs without pledging assets.
Business Line of Credit: Unsecured revolving access, $10K, $250K+. Best for flexible, recurring needs.
Term Loan: Unsecured fixed loan, $10K, $500K+. Best for a defined cost with steady cash flow.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
Read full bio
Related articles
More on this topic from the Quordx Capital library.
Important Disclosures
Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.
Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.
The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.
This Site is intended for commercial, business-purpose financing for U.S. businesses only. Not available for consumer loans, residential mortgages, or owner-occupied real estate. Quordx may receive compensation from lenders when applications result in funded transactions. This does not change the rate, fee, or terms offered to you. See our Advertiser Disclosure for details.
By submitting an application or contact information, you consent to be contacted by Quordx and its lending partners via phone, text, and email, including by automated means, regarding your funding inquiry. Consent is not a condition of receiving funding. Message and data rates may apply. Reply STOP to opt out. See our Privacy Policy and Terms of Service.