Unsecured Business Loans
Need funding without risking your assets? Unsecured business loans are based on your revenue and cash flow — no collateral required. Get matched in minutes, free to apply, no hard credit pull.
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BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
What 'unsecured' means
An unsecured business loan doesn't require you to pledge equipment, property, or other assets. Instead, lenders base approval on your business's revenue, cash flow, and credit. If you'd rather not put collateral on the line, this is the path.
Who it fits
- Businesses without significant physical assets, like services or ecommerce
- Owners who don't want to risk personal or business property
- Businesses needing funding fast, without an asset appraisal
- Borrowers with steady revenue
The trade-off
Because the lender takes on more risk without collateral, unsecured funding can carry higher costs or shorter terms than secured options. Strong, consistent revenue helps you qualify for better terms. It's a fair trade when speed and keeping your assets free matter most.
What lenders look at
- Monthly revenue and deposits
- Time in business
- Business and personal credit — cash flow weighs heavily since there's no asset backing the loan
No collateral and no-personal-guarantee options
Unsecured funding doesn't require pledging assets, and a smaller set of lenders also offer no-personal-guarantee options for established businesses with strong revenue — meaning your personal assets stay off the hook entirely. Expect stricter revenue requirements for true no-PG funding; for most newer businesses, an unsecured loan with a personal guarantee is the realistic path.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Bad credit? You may still qualify for business funding. Compare offers from our network of lenders with no hard credit pull. See your options in minutes.
Working capital loans cover payroll, inventory, and day-to-day costs. Compare offers from our network of lenders with no hard credit pull.
Need capital now? Get matched with lenders offering same-day decisions and funding in as little as 24 hours. Apply free, no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
