No Collateral Options

No assets to pledge? No problem. Explore unsecured business loan options and get pre-qualified today—without the stress of putting your property on the line.

Get Business Funding—No Collateral Required

Explore Unsecured Loan Options for Small Businesses & Startups

Don’t Have Assets? You Still Have Options

If you’re like many small business owners or startups, you don’t have real estate, equipment, or inventory to offer as collateral—and that’s okay. Today’s funding landscape includes flexible lenders offering no collateral business funding based on your revenue, credit, or business potential.

At Smarter Business Funding, we help entrepreneurs get matched with unsecured loan options so they can grow without risking personal or business assets.

Read more about unsecured loans from Forbes Advisor

What Lenders Evaluate Instead of Collateral

Even without pledged assets, many lenders can still fund your business by reviewing:

  • Monthly or annual business revenue

  • Time in business (usually 6+ months)

  • Personal credit score

  • Recent bank statements

  • A clear plan for how the funds will be used

Tip: You may be asked to sign a personal guarantee—so it’s still important to borrow responsibly.

No Collateral Business Funding Options

We help you explore unsecured options tailored to your business stage:

  • Business lines of credit

  • Short-term working capital loans

  • Credit card stacking (0% interest offers bundled together)

  • Merchant cash advances (MCA)

  • Startup loans based on personal credit

  • Revenue-based financing

Who This Is For

No-collateral business funding is ideal for:

  • Startups and new businesses with limited assets

  • Service-based businesses with low overhead

  • Entrepreneurs launching online businesses

  • Owners recovering from financial setbacks

  • Anyone looking to fund growth without risking personal property

Let’s Find Your Funding Path—No Assets Needed

You’re not applying yet—just getting pre-qualified for business funding that fits your situation.
We’ll match you with unsecured lenders who understand that not all great businesses come with collateral.

Get Pre-qualified Today!