Unsecured Small Business Loans

As an unsecured business loans do not require the business owner to put up assets for approval, it can be a great borrowing solution with a lower risk.

Unsecured business loans can be a great borrowing solution for a small business. As it doesn’t require the business owner to put up assets for approval, it presents a lower risk as those assets aren’t used to secure the loan. For a small business that has a solid credit history linked to the business name, an unsecured small business loan can be the best borrowing option.

Some types of unsecured financing include working capital loans, an unsecured small business line of credit, business credit cards, a merchant cash advance, and bank statement financing. None of these options requires collateral in order to receive financing, but some may require the personal guarantee of the owner.

Whether the business owner will need to provide the personal guarantee will usually depend on the lender, the amount of the loan or line and the stability of the business. The stability of the business is often derived from the length of time that the business has been operating and the level of annual revenues, combined with the amount of existing debt financing as well as whether the business has positive cash flow on a monthly basis. For a company with a less than perfect credit history, or a newer company with a lack of credit history, other secured business financing solutions may better fit your needs or offer you more affordable terms.

If the business is unable to obtain financing in the company’s name due to length of credit history or amount of annual revenue, it can often be necessary for the business owner to get a personal unsecured loan that can be used for any purpose. While this would not improve the credit history of the business, it can often be a much quicker way to get needed cash.

Since 1999, AmONE has been the leading financial solutions provider for American companies in need of unsecured small business loans. Our streamlined approach to lending has allows us to help over one million business owners achieve their loan goals.

Whether you need an unsecured small business loan, where you don’t have to risk a hard earned asset, or alternative business financing due to a lack of credit history or a few dings on your credit, AmONE can help you get the business capital you need.

Product Features

  • Loans up to $50,000.
  • No collateral required.
  • Minimal documentation.
  • Cash available for any use.
  • Funds can be deposited into your account.
  • No pre-payment penalty in most instances.

Service Features

  • All situations considered
  • Available in all 50 states.
  • No more shopping around.
  • Complete privacy and security.
  • Secure and trusted providers.

Rates and Terms

  • 12 to 60 months.
  • Rates starting at 6.78 percent.
  • Line of credit also available.

When you work with AmONE, you can be assured you’ll only be connected with honest and reputable lenders that are likely best suited for your needs. Simply complete our easy to use unsecured small business loan form or contact us today. Call us toll free at 888-401-0330. Our financial search specialists are available to speak with you Monday through Friday from 9:00 AM to 9:00 PM and on Saturday from 9:00 AM to 5:30 PM Eastern time. We’ll work with you to help you find ideal unsecured business loan options and our service is always free.