No collateral. No assets pledged. No lien on your home, your equipment, or your inventory. Unsecured business funding is based entirely on your business strength and creditworthiness — giving you capital without putting anything on the line.
Unsecured business funding provides capital without requiring you to pledge any collateral — no real estate, no equipment, no inventory, no personal assets. Approval is based on your business performance, cash flow, and creditworthiness rather than what you own.
This includes unsecured term loans, unsecured lines of credit, and business credit card stacking programs that can deliver $50,000 to $500,000 in available capital. For startups with strong personal credit, unsecured funding can also include 0% introductory rate business credit cards and Net 30 vendor accounts that build your business credit profile.
At Blackburn Business Capital, we match you with unsecured funding options from our 100+ lending partner network. Whether you're an established business wanting to keep your assets unencumbered, or a startup with strong credit but no collateral to pledge, we'll find the right unsecured solution for your situation.
2-minute application. Basic business info.
We match you with the best lender from 100+ partners.
Compare terms and pick the best deal.
Funds deposited as fast as 24 hours.
No impact to your credit score
Lump sum capital with fixed monthly payments and no collateral. Based on your business revenue and credit. Up to $500K with terms up to 5 years.
Revolving credit facilities with no collateral requirement. Draw what you need, repay, repeat. Only pay interest on what you actually use.
For borrowers with 700+ FICO, we can help you access $50,000 to $250,000 in business credit cards — many with 0% intro APR for 12-18 months.
New business with strong personal credit? Access 0% interest business credit cards to fund your first 12-18 months of operations with zero financing cost.
Build your business credit from scratch with vendor accounts that report to credit bureaus. Buy supplies now, pay in 30 days, build your credit profile.
We help you strategically build a Tier 1-4 business credit profile through tradelines, vendor accounts, and credit cards — creating a foundation for larger unsecured funding.
Your home, equipment, inventory, and personal assets are never at risk. If the worst happens, your collateral isn't on the line.
No appraisals, no asset verification, no lien recordings. Without collateral to evaluate, the approval process is faster — often 24-48 hours.
Unsecured credit accounts report to business credit bureaus. Using them responsibly builds your credit profile for bigger, cheaper financing in the future.
With strong personal credit (700+), access business credit cards with 0% APR for 12-18 months. That's free capital for over a year.
Don't have business assets to pledge? Unsecured funding works for startups with strong personal credit — you don't need years of business history.
Secured loans place UCC liens on your business assets. Unsecured funding keeps your assets clean — important if you ever want to sell your business.
Unsecured means no collateral is required to back the loan. You don't pledge your home, equipment, inventory, or any other asset. If you default, the lender cannot seize specific assets (though a personal guarantee may still be required, which is different from collateral).
Secured funding requires you to pledge an asset (equipment, real estate, inventory) as collateral. If you default, the lender can take that asset. Unsecured funding has no collateral requirement. The tradeoff is that unsecured funding typically has higher interest rates and lower maximum amounts because the lender takes more risk.
Most unsecured funding products require a minimum 600 FICO. For the best terms and highest amounts, 680+ is ideal. For 0% introductory business credit cards, most programs require 700+. If your credit is below 600, we may recommend starting with revenue-based financing while building your credit for future unsecured options.
Credit card stacking is the strategic process of applying for multiple business credit cards simultaneously to maximize your total available credit. With a 720+ FICO, it's possible to access $50,000 to $250,000 in business credit — often with 0% introductory APR for 12-18 months. We guide you through which cards to apply for, in what order, and how to maximize approvals.
Yes — this is actually one of the best options for startups. Since unsecured funding is based on personal credit rather than business history, a startup founder with a 700+ FICO can access significant capital through business credit cards and unsecured credit lines before the business has any revenue. It's how many entrepreneurs fund their first year.
It depends on the product. Business credit cards may or may not report to personal credit bureaus (many only report if you miss payments). Unsecured business loans typically do a hard pull during application, which temporarily affects your score. However, making on-time payments builds both business and personal credit over time.
Net 30 accounts are vendor credit accounts where you buy supplies and pay within 30 days. Many of these vendors report your payment history to business credit bureaus like Dun & Bradstreet and Experian Business. By opening and paying several Net 30 accounts on time, you build a business credit profile that unlocks larger unsecured funding in the future.
No. Collateral is a specific asset the lender can seize if you default — like your house or equipment. A personal guarantee means you're personally liable for the debt, but the lender doesn't have a claim on specific assets. They'd need to pursue legal action to collect, rather than simply repossessing an asset. Most unsecured business funding requires a personal guarantee but no collateral.
Get capital without risking your assets. Apply now and we'll match you with the best unsecured funding options from our network of 100+ lending partners.