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.
| # | 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 |
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.
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.
Repayments draft daily as a percentage of card receipts. Rapid but pricey—reserve for emergency gaps, not long-term working capital.
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.
Platforms match accredited investors to borrower profiles. Rates sit between bank loans and fintech cash advances; documentation is lighter than SBA processes.
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.
Expense-management cards now attach limits well above traditional plastic, often with 30- or 60-day float and no personal guarantee for qualified entities.
Government-backed line up to $500k, no hard collateral under the Express track. Rates float over Prime; personal guarantee normally required.
Certified CDFIs extend mission-driven credit to underserved zip codes. Ticket sizes are modest but rates beat most fintech offers.
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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Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
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