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.
Part of our guide to Business Loans.
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.
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Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures