Unsecured Loans for Business: Term Loans, Lines of Credit and 0% Intro Cards
No collateral. Approved on your personal credit (680+), not your assets. Three ways to fund your business, and one loan broker with 200+ capital partners to match you. Business loans can be approved and funded fast. How fast mostly depends on how quickly you send the financials and documents requested.
Apply NowCall Kevin (480) 915-8690 to discuss your situation, 7 days a week (Arizona Time).
A bank gives you an answer. As your loan broker, I give you options.
I’m Kevin Kermeen, a nationwide commercial loan broker with 200+ capital partners. I review every file personally and match you to the program that fits — Don’t Beg the Bank!
Which Unsecured Option Fits Your Cash Flow?
Deep dive: Unsecured Term Loan program page. Proof: $135K New Mexico term loan Just Funded.
Unsecured Term Loans
One lump sum, up to $500,000, on one fixed monthly payment. No collateral, 680+ credit. Best for a big purchase, a new location or paying off costlier debt.
Unsecured Lines of Credit
A revolving line up to $500,000 you draw from when you need it, and repay as invoices clear. No collateral, 680+ credit. Best for recurring cash-flow gaps and seasonal swings.
0% Intro Business Credit Cards
Unsecured business cards up to $250,000 with a 0% intro period. No collateral, 700+ credit. Best for everyday spending and short-term needs.
Side by Side
| Term Loan | Line of Credit | 0% Intro Card | |
|---|---|---|---|
| Funds | Lump sum, up to $500,000 | Draw as needed, up to $500,000 | Card purchases, up to $250,000 |
| Payment | One fixed monthly payment | Based on what you draw | 0% intro period, then card terms |
| Collateral | None | None | None |
| Credit | 680+ | 680+ | 700+ |
Why the Bank Says “Come Back Later”
Banks want years of statements and a lien on what you own. Unsecured loans for business look at you, the owner. Most cash-flow problems aren’t profit problems. They’re timing problems: the work is done, but the money hasn’t arrived yet. As your loan broker, I give you options across 200+ capital partners, so you can pick the structure that fits your timing.
Find your industry: every industry I finance →
Unsecured Loans: Straight Answers
What are unsecured loans for business?
Business funding that doesn’t require collateral. Approval rests mainly on your personal credit. On 75BizLoans.com that means unsecured term loans, unsecured lines of credit and 0% intro business credit cards.
What credit score do I need?
680+ personal credit for term loans and lines of credit, 700+ for 0% intro cards. Below 680? Call Kevin. My 200+ capital partners offer other types of business funding.
How much can I get?
Unsecured term loans and lines of credit go up to $500,000. 0% intro business credit cards go up to $250,000.
Term loan, line of credit or card: which should I pick?
A term loan for one big need on one fixed monthly payment. A line of credit for recurring gaps. A 0% intro card for short-term spending. Many owners combine them.
Do I need collateral?
No. None of these three options requires a lien on your equipment, vehicles or real estate.
Are you a lender?
No. I’m Kevin Kermeen, a commercial loan broker who matches you across 200+ capital partners.
Get Funded Instead.
Apply NowCall Kevin (480) 915-8690 to discuss your situation, 7 days a week (Arizona Time).
Pre-Qualify for an Unsecured Business Loan
Quick pre-qualification. I personally review every submission — no call center, no junior rep.
Got it. I’ll be in touch shortly.
I like to start with a phone conversation so I know how I can understand your situation and help you best. After we talk, I’ll send you an email with the loan intake form and checklist of documents you will need to start compiling.
I’ll reach out to you during my normal business hours (7am-6pm Arizona Time) from my number (480) 915-8690.
Need to talk asap? Call me at (480) 915-8690
Best Regards,
Kevin Kermeen
75BizLoans.com
Direct: (480) 915-8690
Email: Kevin@75BizLoans.com
Subject to credit approval. Terms vary. This is not a commitment to lend.
SBA loan programs: sba.gov/funding-programs/loans.
When Unsecured Loans Make Sense
Owners look at unsecured loans when revenue is real but cash is late. Payroll hits. Vendors want deposits. Customers pay on their schedule, not yours.
I place unsecured loans with capital partners who understand the file. Perfect paper helps. A clear use of funds and a repayment path matter more.
Unsecured Loans can cover equipment, inventory, payroll float, build-outs and slow receivables when the ask is specific.
If a bank stalled you, unsecured loans through specialty capital can still fit. Don’t Beg the Bank!
Call Kevin (480) 915-8690 to discuss your situation, 7 days a week (Arizona Time).
I get paid by the lender at closing. Every fee is explained and disclosed before you commit on unsecured loans.
SBA Express When The File Fits
SBA Express can be a faster SBA path when you qualify. It is not instant capital.
I only point owners to SBA Express when the use of funds and timeline match.
Equipment Financing That Protects Cash
Equipment financing should not empty the account you need for labor. Hard assets can sit on a dedicated structure.
I underwrite equipment financing around useful life and demand, including used gear when the numbers work.
Invoice Factoring for Slow-Pay Customers
Invoice factoring turns approved invoices into cash without waiting on the customer.
We review concentration and invoice quality first. Invoice factoring is a timing tool, not a last resort.
Working Capital When Timing Is The Bottleneck
Working capital keeps operations moving when revenue is real but cash is late. I size working capital to the next 30 to 90 days of burn.
Owners often pair working capital with a revolving option so repeats do not restart the whole application.
How These Programs Compare to Bank Lines
Bank lines freeze when you need them. Private capital for unsecured loans is built for speed and real operating data.
Approvals still depend on credit, time in business and bank statements. Nothing here is instant or guaranteed.
On business loans, owners are normally approved in 4 hours to 3 days once your application and all documents are in. Select programs can move in 24–72 hours.
A bank gives you an answer. As your loan broker, I give you options on unsecured loans across the stack that fits.
I qualify honestly before I send a file, then I call you directly. I never text.
What I Need From You on the First Call
Have a plain story ready: what the money covers this month, what already works in the business, and what a bank already asked for.
Bring recent deposits activity, a simple list of debts and any contract, lease or inventory note that supports the ask.
Clean files move faster than perfect files that never get sent. Honesty on fit beats a fake green light.
I give you a same-day callback when you reach me. Funding speed still depends on the partner, your credit, the business and the documents in hand.
Subject to credit approval. Terms vary. This is not a commitment to lend.
Internal Paths Worth Bookmarking
unsecured loans · unsecured term loans · unsecured line of credit · 0% business credit cards · working capital loans · equipment financing · invoice factoring · SBA loans · SBA 7(a) loans · SBA 504 loans · commercial real estate loans · contact me
Useful references: SBA loan programs · Census Economic Census · BLS Current Employment Statistics · USA.gov business
More Straight Answers Before You Apply
When does sba express make more sense than a bank line?
SBA Express wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop sba express?
Application, recent bank statements and a plain use-of-funds note. Then I match sba express to fit partners.
When does equipment financing make more sense than a bank line?
Equipment Financing wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop equipment financing?
Application, recent bank statements and a plain use-of-funds note. Then I match equipment financing to fit partners.
When does invoice factoring make more sense than a bank line?
Invoice Factoring wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop invoice factoring?
Application, recent bank statements and a plain use-of-funds note. Then I match invoice factoring to fit partners.
When does working capital make more sense than a bank line?
Working Capital wins when you need speed and a clear use of funds, not a long committee cycle.
What do you need to shop working capital?
Application, recent bank statements and a plain use-of-funds note. Then I match working capital to fit partners.
How fast can unsecured loans get a decision?
Normally approved in 4 hours to 3 days once your application and all documents are in.
Business loans can be approved and funded fast. How fast mostly depends on how quickly the borrower sends the financials and documents requested. 24–72 hours on select programs.
What should I send to start unsecured loans?
Application, recent bank statements, a short use-of-funds note and any quote or contract that supports unsecured loans.
Are unsecured loans only for one niche?
No. Unsecured Loans serve operators nationwide when the use of funds and repayment path are clear.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.
Bring a calm file, not a perfect file. Tell me what already works, what broke in the bank conversation, and what the next ninety days must cover. That honesty shortens underwriting more than another spreadsheet.
I stay with you after the first look. If the stack should wait, I say so. If it should move, I call you directly and keep the next step plain.