Applying will not impact your credit score.
SBG Funding’s unsecured products never require collateral, at any amount. We underwrite based on your business revenue and cash flow, not the assets you own. Same-day decisions, funding in as little as 24 hours.
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. The SBA’s own lender rules work the same way: above $50,000 7(a) financing is subject to the lender’s collateral policy, and SBA treats Standard 7(a) financing as fully secured only when the lender holds security interests in the applicant’s available fixed assets up to the funding amount. 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.
Banks lend against assets. If you don’t have assets to pledge, or don’t want to put your personal property at risk, the conversation ends before it starts. A bank underwrites against two years of filed financials and a 680 credit score. Banks are not built to look past the score to the revenue underneath it, which means the businesses with the strongest cash flow relative to their credit are the ones a bank is slowest to serve. SBG Funding’s underwriting is revenue-based: we evaluate more than 50 data points from your business bank statements, and cash flow is the foundation rather than the owner’s personal assets. Term loans, business lines of credit, bridge capital and working capital carry no collateral requirement at any funding amount, and there is no hard credit pull. If your business generates at least $150,000 in annual revenue and has been operating for 6+ months, you may qualify for unsecured funding between $5,000 and $10,000,000, with a decision the same business day and funds in as little as 24 hours after approval.
No Collateral Required
Our unsecured products require nothing pledged: no equipment, real estate, inventory or personal assets, regardless of funding amount. Equipment financing and a HELOC are the exceptions, secured by the equipment and the home respectively.
No Personal Assets Pledged
Your home, your car, your savings: none of it is pledged as collateral on our unsecured products. SBG underwrites 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 is what we underwrite, not your property.
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Won’t affect your credit score.
The four products below are fully unsecured. None of them requires collateral at any funding amount. Equipment financing and a business HELOC sit outside this list because each is secured by the asset it funds.
Unsecured is a precise term, and it is worth knowing exactly what it covers before you apply. Here is what SBG does and does not take on a no-collateral loan.
Nothing of Yours Is Pledged or Appraised
On our unsecured products there is no asset behind the loan: no equipment list, no property appraisal, no title held, no lien on your home or your vehicle. That is also why these products fund in days rather than weeks. Most of a secured loan’s timeline is spent valuing collateral and filing against it, and none of that work exists here.
A UCC Filing Is Not a Claim on Your Property
Unsecured business financing commonly involves a UCC filing, a public notice that a lender holds a security interest in business assets. It is standard across commercial lending, and it is not a pledge of specific collateral that you identify and hand over at closing. It does not touch your home, your car, or anything you own personally. What it covers under your agreement is set out in that agreement before you sign.
A Personal Guarantee Is a Promise, Not a Pledge
Depending on the product and the amount, financing may include a personal guarantee: your commitment to repay if the business cannot. The difference is worth understanding. Collateral means a specific asset is identified upfront and can be taken. A guarantee means no asset is identified and nothing is pledged. Your funding advisor will walk through which terms apply to your offer before anything is signed.
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. On our unsecured products you are never asked to pledge personal assets, real estate, equipment, or inventory at any point in the process.
annual revenue
min. FICO score
months in business
bank statements
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
28,000+
Businesses funded
$3B+
Funded since 2017
via Trustpilot
Anthony was very professional and helpful. He went above and beyond and answered my questions quickly even on his day off. I couldn’t ask for a better experience. Thank you!
“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!”
5×
Inc. 5000 honoree
via Better Business Bureau
Very communicative, polite, very helpful through the whole process. Made the process very easy going.
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
Super easy to work with. Audra Johnson handled all our questions, options and final close-out like a pro! Very transparent with costs, rates and program choices. Highly recommend.
85%
Approval rate
via Better Business Bureau
He took the time to understand my business needs and offered a financing solution that perfectly aligned with my goals. His transparency and clear communication were refreshing, and he made the entire process seamless with impeccable follow-through.
4.9
Google rating
via Better Business Bureau
He kept me updated throughout the entire process and made what could have been a stressful experience feel simple and straightforward. I never felt like I was just another customer. Jared genuinely cared about helping my business find the right funding solution.
Yes. Most SBG Funding products are fully unsecured, including term loans, business lines of credit, bridge capital, and working capital. 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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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 $10,000,000 based on the financial performance of the business.
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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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Our unsecured products (term loans, business lines of credit, bridge capital and working capital) place no lien on your real estate, vehicles or personal property. Two products do involve the asset they fund: equipment financing files on the equipment purchased, and a business HELOC is secured by your home. Unsecured financing may still involve a UCC filing, a standard business financing instrument that records a security interest in business assets. It does not attach to your personal property.
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A UCC (Uniform Commercial Code) filing is a public notice that a lender holds a security interest in a business’s assets. It is not a pledge of specific collateral that you identify and hand over at closing, and it does not place a lien on your home, car, or personal property. It is a standard instrument in business financing, and what it covers under any particular agreement is set out in that agreement before you sign.
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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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SBG Funding offers unsecured financing from $5,000 to $10,000,000. Your approval amount is based on monthly revenue, deposit patterns, and overall business profile. Six-figure approvals rest on cash flow rather than pledged assets, so nothing is pledged at that size on our unsecured products.
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SBG Funding requires a minimum of $150,000 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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Yes. SBG Funding’s business lines of credit are fully unsecured. You can access revolving credit up to $500,000 without pledging any assets. Approval is based on revenue consistency and business performance.
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Three products can involve collateral. 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. SBA 7(a) financing may require collateral depending on funding size. All other SBG products (term loans, business lines of credit, bridge capital, and working capital) are fully unsecured and require no collateral of any kind.
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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 lien on your home. Apply online in minutes and get a decision the same day.
