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85% approval rate · 10,000+ businesses funded · 4.9★ Trustpilot
No Collateral Business Loans at a Glance
No Collateral Required
Every SBG Funding product is unsecured. You are never asked to pledge equipment, real estate, inventory, or personal assets, regardless of loan amount.
No Personal Assets at Risk
Your home, your car, your savings: none of it is on the line. SBG underwrites based on your business revenue, not the assets you own.
Revenue-Based Approval
We evaluate 50+ factors including cash flow, deposit consistency, and time in business. Your revenue act like your collateral, not your property.
How No Collateral Business Loans Work at SBG Funding
An unsecured business loan (also called a no-collateral business loan) is a financing product that does not require the borrower to pledge any asset as security against the loan. Unlike traditional secured loans where real estate, equipment, or inventory backs the debt, unsecured loans are approved based on the financial performance of the business itself.
Collateral requirements are one of the most common barriers to small business financing. According to the Federal Reserve’s 2026 Report on Employer Firms, 59% of small businesses with outstanding debt used a personal guarantee to secure it, and 51% pledged business assets as collateral. SBA 7(a) loans, often positioned as the most accessible government-backed option, require collateral on all loans over $25,000. For service-based businesses, startups, and companies that lease rather than own their equipment, the collateral requirement can be an insurmountable obstacle even when the business is profitable and growing.
SBG Funding takes a fundamentally different approach. Our underwriting model is revenue-based: we evaluate more than 50 data points from your business bank statements, including monthly revenue, deposit frequency, average daily balance, and existing debt obligations. The business’s cash flow is the underwriting foundation, not the owner’s personal assets. If your business generates at least $250,000 in annual revenue and has been operating for 6+ months, you likely qualify for funding between $5,000 and $1,000,000 with no collateral requirement whatsoever.
There is no collateral requirement on any SBG product, at any loan amount, under any circumstance. There is also no hard credit pull at any point in the process, and no lengthy underwriting timeline. Most applications are reviewed and approved the same business day they are submitted, with funds deposited in as little as 24 hours.
SBG Funding vs. Banks
Most banks require collateral as a condition of approval, especially for loans over $25,000. If you don’t have assets to pledge, or you don’t want to put your personal property at risk, the conversation ends before it starts.
SBG Funding
Traditional Bank
Financing Options That Never Require Collateral
Most SBG Funding products are fully unsecured. The following options require no collateral, regardless of loan amount or business type.
Business Term Loan
A lump sum of $5,000–$1,000,000 deposited to your bank account with fixed weekly or monthly repayment over 6–48 months. Best for defined investments: equipment, expansion, inventory, or debt consolidation. No collateral required. Approval is based on revenue and deposit history.
Business Line of Credit
Revolving access to capital you can draw from, repay, and draw again, up to $1,000,000. Best for managing cash flow gaps, covering payroll, or handling unexpected expenses. Completely unsecured. No assets pledged, no lien on your property.
Invoice Financing
Turn unpaid invoices into immediate capital. If your customers owe you money on net-30, 60, or 90 terms, invoice financing advances a percentage of that amount now. Your outstanding invoices serve as the basis for funding, so no additional collateral is required from you.
Bridge Capital
Short-term funding to bridge a cash flow gap between a known future payment and a present expense. Whether you’re waiting on a contract payout, a seasonal revenue surge, or a receivable, bridge capital gets you the funds now with no collateral and no personal assets at risk.
Why Business Owners Don’t Have Collateral
Collateral requirements shut out more qualified businesses than any other lending barrier. Here’s why business owners don’t have it, and why SBG doesn’t ask for it.
Service Businesses With No Hard Assets
Consulting firms, marketing agencies, IT companies, cleaning services, staffing businesses. These service-based companies generate revenue through labor and expertise, not physical assets. They may have no equipment, no real estate, and no inventory to pledge. That doesn’t make them risky. It makes them asset-light.
Newer Businesses Without Built-Up Equity
A business that’s been operating for 8 months may be generating $40,000 a month in revenue but hasn’t accumulated significant assets yet. Banks want collateral that took years to build. SBG evaluates the trajectory of the business, not how long it’s been accumulating property.
Owners Who Won’t Risk Personal Property
Some business owners have assets but refuse to pledge them, and that’s a reasonable position. Putting your home on the line for a business loan means a downturn could cost you more than the business. SBG’s unsecured model means your personal property stays out of the equation entirely.
Businesses With Existing Liens on Assets
If your equipment is already financed or your property has an existing mortgage, those assets may not be available to pledge as collateral for a new loan. Banks see encumbered assets as disqualifying. SBG doesn’t look at your assets at all. We look at your bank statements.
Businesses That Lease Everything
Many businesses lease their space, lease their vehicles, and lease their equipment. They operate profitably without owning a single pledgeable asset. Traditional lenders see an empty collateral column and decline the application. SBG sees monthly revenue and deposit consistency, which is what actually predicts repayment.
Owners Who’ve Already Pledged Assets Elsewhere
An existing SBA loan, a commercial mortgage, an equipment financing agreement. If your assets are already committed to other obligations, banks won’t accept them as collateral for a new loan. SBG’s revenue-based model doesn’t compete for the same assets. Your cash flow stands on its own.
All You Need to Qualify
$250K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
No collateral. No hard credit pull. No upfront fees.
SBG Funding evaluates more than 50 factors when reviewing applications, and collateral is not one of them. Revenue consistency, deposit patterns, and time in business are the primary drivers of approval. You will never be asked to pledge personal assets, real estate, equipment, or inventory at any point in the process.
What Business Owners Are Saying
Real businesses. Real results.
★★★★★
“When I was comparing avenues for funding. I noticed that SBG offered a nice variety of options and ticked a lot of rare boxes, like no hard credit pull, no collateral required, and rapid funding. Not only did their funding solution meet my needs, but they exceeded them…and it’s no exaggeration that they offer expedient funding! I would highly recommend SBG to anyone seeking business funding.”
Sherry V. from Virginia
via Trustpilot
★★★★★
“This was my first time getting a business loan and it was a great experience, smooth all the way to the end. A lot of the others lenders were offering me things that would’ve had me more stressed out. And they weren’t really helpful at all. Trevor actually found what was best for me and I really appreciate that.”
Cleatis A. from Tennessee
via Google Reviews
Just 3 Steps to Get Funded
01
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs. No lengthy paperwork, no asset documentation, and no collateral forms. Applying does not affect your credit score.
02
Get Your Options
Our team reviews your application and presents financing options matched to your business profile. We evaluate revenue, deposit history, and time in business, not the assets you own. Every option presented is fully unsecured.
03
Receive Your Funds
Once approved and documents are signed, funds are deposited to your business bank account in as little as 24 hours. No collateral pledged, no liens placed on your property, no hard credit pull. Just capital in your account.
Frequently Asked Questions
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Can I get a business loan without collateral?
Yes. Most SBG Funding products are fully unsecured, including term loans, business lines of credit, bridge capital, and working capital loans. You are not required to pledge real estate, inventory, or personal assets. Approval is based on your business revenue, deposit consistency, and time in operation.
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What is an unsecured business loan?
An unsecured business loan is a loan that does not require the borrower to pledge any asset as security. If the loan defaults, the lender cannot seize specific property to recover the balance. SBG Funding offers unsecured financing from $5,000 to $1,000,000 based on the financial performance of the business.
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Why don’t banks offer unsecured business loans?
Most banks rely on collateral as a risk mitigation tool. It gives them a recoverable asset if the loan defaults. This model favors businesses that own real estate, equipment, or significant inventory. Businesses that are asset-light, newer, or service-based are often excluded. SBG Funding uses revenue-based underwriting, which evaluates cash flow instead of asset ownership.
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Will SBG Funding put a lien on my property?
SBG Funding does not require or place liens on real estate, vehicles, equipment, or personal property. Some financing products may involve a UCC filing (a standard business financing instrument that creates a general security interest in business assets). A UCC filing is not a lien on personal property and does not affect your ability to use or sell business assets.
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What is a UCC filing and is it the same as collateral?
A UCC (Uniform Commercial Code) filing is a public notice that a lender has a financial interest in a business’s assets. It is not the same as collateral. A UCC filing does not give the lender the right to seize specific assets, and it does not place a lien on your home, car, or personal property. It is a standard instrument in business financing, not a collateral pledge.
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Is a personal guarantee the same as collateral?
No. A personal guarantee means the business owner agrees to be personally responsible for repaying the loan if the business cannot. Collateral means a specific asset is pledged and can be seized. SBG Funding does not require collateral. Whether a personal guarantee applies depends on the specific financing product and amount. Your funding advisor will explain the terms before you sign anything.
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How much can I borrow without collateral?
SBG Funding offers unsecured financing from $5,000 to $1,000,000. Your approval amount is based on monthly revenue, deposit patterns, and overall business profile. Businesses with strong cash flow routinely qualify for six-figure funding with no collateral requirement.
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What do I need instead of collateral to qualify?
SBG Funding requires a minimum of $250,000 in annual revenue, at least 6 months in business, a FICO score of 500 or above, and your 4 most recent business bank statements. That’s it. No asset documentation, no property appraisals, no equipment lists.
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Can I get a business line of credit without collateral?
Yes. SBG Funding’s business lines of credit are fully unsecured. You can access revolving credit up to $1,000,000 without pledging any assets. Approval is based on revenue consistency and business performance.
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Do any SBG Funding products require collateral?
Two products involve an asset in the financing structure. Equipment financing uses the purchased equipment itself as security, so you are not pledging assets you already own. A Home Equity Line of Credit (HELOC) uses your home’s equity. All other SBG products (term loans, business lines of credit, bridge capital, and working capital loans) are fully unsecured and require no collateral of any kind.
Your Business Doesn’t Need Collateral to Get Funded
Banks want your house, your equipment, your inventory. SBG Funding wants your bank statements. If your business is generating consistent revenue, that’s enough. No collateral, no hard credit pull, no personal assets at risk. Apply online in minutes and get a decision the same day.
