Unsecured Business Loans: What Actually Funds
Unsecured Business Loans: What Actually Funds
Let’s be direct. “Unsecured business loan” searches are common, but large tickets don’t clear without strong cash flows, clean documentation, and lender controls. In practice, you’re looking at a senior unsecured cash-flow term loan with covenants and a negative pledge, or—if revenue consistency is the asset— revenue-based financing. If you lack EBITDA, firm contracts, or assignable receivables, you won’t get size at sensible pricing. Below is what actually funds, how we structure it, and what to do if you don’t fit.
“We came in asking for an unsecured loan. Financely packaged a cash-flow facility with clean covenants and closed inside 40 days.”
Use the Right Terms
Not this: “large unsecured loan with no covenants.” That doesn’t price or close at scale.
Service Snapshot
What Qualifies vs What Won’t
- Positive EBITDA with headroom after interest and capex
- Diversified customer base and limited concentration risk
- Clear reporting cadence and board-level governance
- Ability to accept covenants and a negative pledge
- “Large unsecured loan with no covenants”
- Loss-making business with no path to cash generation
- Single-buyer dependence or disputed receivables
- Sanctioned jurisdictions or failed KYC/AML
If You Don’t Fit, Here’s What Closes Fast
- Receivables purchase (non-recourse) — advance on invoices to investment-grade buyers
- LC confirmation and discounting — convert LC receivables to near-cash at presentation
- PXF / offtake prepayment — advance against export contracts and assigned proceeds
- Contract monetization — fund progress-billing receivables on long-term service agreements
Our Process
What We Need To Start
- Three years audited financials + latest TTM management accounts
- Customer concentration analysis and churn/cohort metrics (if RBF)
- 12–24 month cash-flow model and debt service case
- Jurisdiction map, UBO chart, compliance policies
Request a Term Sheet for an Unsecured Facility
Send your financials, revenue profile, and target size. We will return a covenant set, pricing range, and feasible facility type—cash-flow term loan or RBF.
Request a Term SheetFinancely is a placement and advisory firm. We are not a direct lender. All unsecured facilities are subject to lender approval, KYC/AML, sanctions screening, and covenant negotiation. Any securities-related activities are conducted through our licensed chaperone, Member FINRA/SIPC. This page is informational and not a public offer of credit.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
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