10 Unsecured Business-Loan Options for SMEs
10 Unsecured Business-Loan Options for SMEs
Need capital but light on hard collateral? Unsecured financing can bridge a seasonal cash gap, fund a marketing push or refinance short-term payables—without pledging property or equipment. Below we outline ten proven options, their typical ticket sizes and the trade-offs to weigh before signing.
Quick-View Comparison
| # | Product | Typical Limit | Cost Range | Time to Fund |
|---|---|---|---|---|
| 1 | Online Term Loan | $25k-$500k | 12-28 % APR | 2-7 days |
| 2 | Business Line of Credit | $10k-$250k | 10-25 % APR | 1-5 days |
| 3 | Merchant Cash Advance | $5k-$150k | Factor 1.15-1.45 | 24-48 h |
| 4 | Revenue-Based Financing | $50k-$3 m | IRR 18-35 % | 7-10 days |
| 5 | Peer-to-Peer Term Loan | $25k-$500k | 9-20 % APR | 7-15 days |
| 6 | Invoice Finance (Unsecured) | Up to 90 % A/R | 1-3 % /30d | 2-4 days |
| 7 | Corporate Credit Card Facility | $5k-$250k | 13-29 % APR | Instant-5 days |
| 8 | SBA 7(a) Express (Unsecured) | Up to $500k | Prime + 4.5-6.5 % | 15-30 days |
| 9 | Community-Development Microloan | $500-$50k | 6-12 % APR | 10-20 days |
| 10 | Supply-Chain Finance (Unsecured) | $50k-$2 m | 0.8-2 % /30d | 5-10 days |
1 Online Term Loan
Fintech lenders underwrite cash-flow, bureau scores and bank-statement data. Expect weekly or monthly amortisation over 6-36 months. Ideal for inventory builds or marketing pushes where payoff is near-term.
2 Business Line of Credit
Revolving limits refresh as you repay. Draw only what you need; interest accrues on the used balance. Works well for payroll lulls or irregular purchase orders.
3 Merchant Cash Advance
Repayments draft daily as a percentage of card receipts. Rapid but pricey—reserve for emergency gaps, not long-term working capital.
4 Revenue-Based Financing
The lender advances a lump sum and collects a fixed share of monthly revenue until a predefined multiple is met. Popular with SaaS firms where MRR is verifiable.
5 Peer-to-Peer Term Loan
Platforms match accredited investors to borrower profiles. Rates sit between bank loans and fintech cash advances; documentation is lighter than SBA processes.
6 Invoice Finance (Unsecured)
Factor lenders buy your receivables without filing a lien on fixed assets. Credit hinges on the buyer’s payment history rather than your balance-sheet strength.
7 Corporate Credit Card Facility
Expense-management cards now attach limits well above traditional plastic, often with 30- or 60-day float and no personal guarantee for qualified entities.
8 SBA 7(a) Express (Unsecured)
Government-backed line up to $500k, no hard collateral under the Express track. Rates float over Prime; personal guarantee normally required.
9 Community-Development Microloan
Certified CDFIs extend mission-driven credit to underserved zip codes. Ticket sizes are modest but rates beat most fintech offers.
10 Supply-Chain Finance
Also branded “dynamic discounting.” A funder advances supplier invoices once an investment-grade buyer electronically approves them—freeing working capital without pledging hard assets.
Unsure which option fits your revenue model? Upload bank statements and management accounts; we’ll map the right unsecured facility and negotiate lender terms.
Request Facility QuotesRates, limits and funding times shown are market averages as of Q2 2025. Actual terms depend on industry, credit profile, geographic exposure and lender appetite. Financely Group is not a direct lender; we arrange facilities through regulated partners. This article is for information only and does not constitute financial advice.
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