No collateral business loans
Our unsecured financing never requires collateral, at any amount. We approve on your revenue and cash flow, not the assets you own. Same-day decisions, and funds in as little as 24 hours.
- No collateral required
- No hard credit pull
- Credit scores of 500+ accepted
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
What unsecured financing means.
Secured financing is tied to an asset, such as a building, a vehicle or a machine. Unsecured financing isn’t. It’s approved on your revenue and cash flow, and repaid from what the business brings in.
Working capital, lines of credit and term loans are unsecured, so you pledge no building, equipment or personal assets. With no appraisal to wait for, decisions come the same day.
Equipment financing and a home equity line of credit are the exceptions: the equipment or your home secures them.
Read more
What a personal guarantee is. A promise, signed by the owner, to repay what the business owes if the business can’t. It pledges no home or other named asset, but it makes you personally responsible for the balance. Lenders ask for one on most business financing.
Limited or unlimited. An unlimited guarantee covers the full balance. A limited one caps what you owe personally. Ask which kind an offer carries.
What a UCC filing is. A public notice, filed with the state, that a lender has a claim on certain business assets, such as receivables. It’s routine in business financing, and later lenders will see it.
When secured financing makes sense. If you’re buying equipment, financing that uses the equipment as collateral covers up to 90% of its value over 2 to 5 years.
No collateral business loans at a glance.
- No collateral required
- On every unsecured product. Equipment financing and a home equity line are the exceptions
- No personal assets pledged
- No home, vehicle or other personal asset is tied to the financing
- Revenue-based approval
- Based on your revenue and cash flow, not the assets you own
Compare your options.
See how Noya Funding stacks up against other financing sources.
| Traditional Bank | Other Online Lenders | ||
|---|---|---|---|
| Funding Speed | Same day to 48 hours | 30-90 days | 2-7 days |
| Funding Amount | $5K-$10M | $50K-$5M | $5K-$500K |
| Hard Credit Pull | Never | Always | Usually |
| Min. Annual Revenue | $150K+ | $250K+ | $100K-$250K |
| Min. Credit Score | 500+ FICO | 680+ FICO | 550-600+ FICO |
| Collateral Required | None | Often | Sometimes |
| Time in Business | 6+ months | 2+ years | 1+ year |
| Dedicated Advisor | Always | Never | Sometimes |
| Documents Needed | 4 bank statements | Full financials + tax returns | Varies |
| Application Time | 5 minutes online | Days to weeks | 1-3 days |
| Apply NowApplying won’t affect your credit score. |
What each kind of financing is based on.
Working Capital
Based on your revenue, with no collateral required. See how working capital works.
Business Line of Credit
Unsecured, with a limit set by your business profile. Draw, repay and draw again. See business lines of credit.
Small Business Term Loans
Unsecured, with a lump sum up front and fixed payments. See small business term loans.
Invoice Financing
The invoices themselves back it, so you pledge nothing beyond what customers already owe you. See invoice financing.
Equipment Financing
The equipment you’re buying is the collateral, so nothing you already own is pledged. See equipment financing.
What is and isn’t pledged.
Unsecured is a precise term, and it’s worth knowing exactly what it covers before you apply.
Nothing you own is pledged or appraised
Unsecured financing asks for no appraisal and puts no lien on your home, your vehicle or your equipment. That’s also why it moves quickly: with nothing to appraise, decisions come the same day and funds can arrive in as little as 24 hours.
A UCC filing isn’t a claim on your property
A UCC filing is a public notice, filed with the state, that a lender has an interest in business assets such as receivables. It’s standard in business financing. It doesn’t pledge a particular asset or hand anything you own over to the lender.
A personal guarantee is a promise, not a pledge
Depending on the product and the amount, you may sign a personal guarantee: your promise to repay if the business can’t. Collateral is a named asset that can be taken. A guarantee names no asset, though it does make you personally responsible for the balance.
All you need to qualify.
We look at your revenue history, deposit patterns and time in business, not the assets you own or just your credit score. A business with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
What is a no collateral business loan?
Financing with no asset, such as a building or equipment, pledged to secure it. It’s approved on your revenue and cash flow and repaid from what the business brings in.
Is a personal guarantee the same as collateral?
No. Collateral is a named asset a lender can take if payments stop. A personal guarantee is your promise to repay if the business can’t. It names no asset, but it makes you personally responsible for the balance.
Will there be a lien on my business?
Working capital usually comes with a UCC filing, a public notice of a claim on the business’s receivables. It’s routine, and it takes nothing from you while you pay as agreed. Ask what an offer’s filing covers.
How much can I get without collateral?
$5,000 to $10 million, based on your revenue and business profile. Steady deposits matter more than what you own.
Can I get unsecured financing with a low credit score?
Yes. We work with credit scores of 500+, and working capital is based mostly on revenue. See bad credit business loans.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.