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Unsecured Business Loans
Business financing without collateral requirements. Faster approval, flexible use. One application to 75+ lenders. Powered by National Business Capital.
National Business Capital network figures.
Understanding Unsecured Business Loans
Unsecured business loans provide capital without requiring specific collateral. Instead of securing the loan with assets, lenders weigh your revenue, time in business, and credit profile. This speeds up approval but typically means higher rates and lower amounts.
How It Works
The lender evaluates your business health through bank statements, revenue, and credit score. Without collateral to liquidate, the lender takes on more risk, which is reflected in higher rates and shorter terms than secured options.
Key Terms & Eligibility
$10K to $500K
1 to 5 years
10% to 40% APR
1 to 5 business days
600
None required
One application returns matched offers from 75+ lenders, so you compare instead of guess.
Who Should Use Unsecured Business Loans?
Service businesses, consultants, and companies that lack physical assets to pledge as collateral. Also for businesses that need capital quickly and do not want to risk losing specific assets.
Common Uses
- Marketing and advertising campaigns
- Hiring and staff expansion
- Software and technology investments
- Business relocation or expansion
Pros & Considerations
Pros
- No collateral required
- Fast approval and funding
- Flexible use of funds
- No risk of losing specific assets
Considerations
- Higher rates than secured loans
- Lower maximum amounts
- May require personal guarantee
How You Qualify
Lenders weigh the whole business, not just a score:
- Time in business and revenue (min. 6 months, $10K/mo)
- Bank deposit consistency and cash flow patterns
- Owner credit (min. 600), as one input among several
- Collateral or asset value, where applicable
Strong revenue or valuable assets can carry a deal that credit alone would not.
How to Apply
- Tell us how much you need and what for. One form, no fee to apply.
- Share basic business and owner details. No hard credit pull to pre-qualify.
- Send recent bank statements, plus equipment quotes, invoices, or financials if relevant.
- Compare matched offers from 75+ lenders and pick what fits.
FAQ
What is the difference between secured and unsecured business loans?
A secured loan requires collateral, such as equipment, real estate, or inventory, that the lender can seize if you default. An unsecured loan requires no specific collateral, so the lender relies on your revenue and credit. Unsecured loans are faster but have higher rates.
Can I get an unsecured business loan with bad credit?
Unsecured loans typically require a credit score of 600 or higher, but the NBC network includes lenders that weigh revenue and time in business alongside credit. Some programs work with lower scores at higher rates.
How much can I borrow with an unsecured business loan?
Unsecured loans typically range from $10K to $500K, depending on your revenue, time in business, and credit. Amounts are generally lower than secured loans because the lender has no collateral to offset risk.
Do unsecured business loans require a personal guarantee?
Many unsecured loans require a personal guarantee, especially for newer businesses or lower credit profiles. This means the owner is personally responsible for repayment if the business cannot pay.
Is there a hard credit pull to pre-qualify?
No. There is no hard credit pull to pre-qualify through the NBC network, so checking your options does not affect your credit.
How fast can I get an unsecured business loan?
Unsecured loans fund faster than secured loans because there is no collateral to appraise. Many fund within 1 to 5 business days of approval.
What can I use an unsecured business loan for?
Unsecured loans have flexible use of funds. Common uses include marketing, hiring, technology investments, inventory, working capital, and business expansion. The lender does not restrict how you use the capital.
Comparing Unsecured Business Loans to Other Options
- vs. SBA Loans: SBA offers lower rates and longer terms but takes 30-60 days. Unsecured Business Loans funds significantly faster but at higher rates.
- vs. Equipment Financing: Equipment financing is secured by the asset and limited to equipment purchases. Unsecured Business Loans requires no or different collateral and offers broader use of funds.
- vs. Working Capital Lines: Working capital lines are revolving and best for ongoing needs. Unsecured Business Loans provides a lump sum suited to specific capital needs.
Related Financing Options
- SBA Loans — government-backed, lowest rates
- Equipment Financing — asset-secured, fast approval
- Working Capital Loans — revolving, flexible use
- Business Line of Credit — draw only what you need
Sources
- U.S. Small Business Administration, finance your business: sba.gov/business-guide
- Federal Reserve, Small Business Credit Survey: fedsmallbusiness.org/
- SBA funding programs overview: sba.gov/funding-programs
About Manu
Manu is a digital platform that helps US manufacturers and small businesses list facilities, showcase capabilities, and market products.
About National Business Capital
National Business Capital is a fintech financing platform that connects businesses with 75+ lenders, $3B+ secured nationwide since 2007.
Verified Reviews
Businesses funded through the National Business Capital network have left 3,000+ five-star reviews on Google and Trustpilot. NBC has secured over $3B in financing since 2007 and maintains an A+ rating. Read verified reviews on NBC's website.
This page was last reviewed July 11, 2026 by Malik Samara, Managing Partner. Our editorial team reviews and updates content on a rolling basis. Learn about our editorial standards.
Manu Business Lending is a paid referral partner of National Business Capital. Financing is provided by NBC and its lender network, not by Manu, and all loans are subject to lender approval, terms, and conditions.