Unsecured Business Loans From $50,000 to $500,000, 5 to 7 Year Fixed Terms
🚀 New 5 to 7 Year Term ProgramI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Unsecured business loans put $50,000 to $500,000 into your account with a fixed 5 or 7 year term, a fixed monthly payment and no assets pledged. Approval is built around your personal credit and income, not your time in business or your collateral. Don’t Beg the Bank! Let me match your unsecured business loans to the right lender.
Unsecured Business Loans Built Around You, Not Your Assets
Most commercial lenders want collateral, years in business, or both. Unsecured business loans through my network flip that. Approval is built around your personal credit profile and income, so a newer business with a strong owner behind it can qualify for $50,000 to $500,000 on a fixed 5 or 7 year term, no assets pledged, no down payment.
The Bank
Years in business required, collateral demanded, piles of paperwork, and a month or more of waiting, only to get a no or an offer that arrived too late.
Unsecured Business Loans With Me
A simple application, two years of personal tax returns and a 680+ credit score. No assets, no down payment, and a fixed payment you can plan around.
Two-Year-Old Business, Strong Owner Credit, $150,000 in 11 Days
The owner of a growing services company had only been operating for two years, not long enough for most banks to take the file seriously, and had no equipment or real estate to pledge as collateral. Every bank he called wanted three years in business and a lien on something.
He called me. With a 680+ personal credit score across all three bureaus and two years of personal tax returns showing well over $50,000 in taxable income, I matched him to an unsecured business loan, no collateral, no down payment. Funds were deposited into his account in 11 business days on a fixed 7 year term.
That is the difference between a bank that only looks at your file and a broker who looks at you. Don’t Beg the Bank! Get funded instead.
What Unsecured Business Loans Actually Pay For
There are no restrictions on how you use unsecured business loans. Because the funds are deposited straight into your account, you get full liquidity to put the capital wherever your business needs it most.
Expand the Business
Open a second location, take on a bigger territory, or fund the growth you have been putting off.
Hire
Bring on the staff you need to take on more work, without waiting on cash flow to catch up first.
Buy Equipment
Purchase the equipment your business needs outright, unsecured, instead of a collateralized note.
Increase Inventory
Stock up ahead of a busy season or a bulk-pricing window without straining cash on hand.
Open New Locations
Fund buildout, deposits and opening costs for a new location without pledging real estate.
Marketing and More
Fund a marketing push, refinance costlier debt, or cover any other legitimate business need, no restrictions.
Unsecured Business Loans Aren’t the Only Way to Get Funded
My lender network spans many financing types, and sometimes a different structure fits your deal better. Here’s where else I can take you, tap any to explore.
Working Capital Loans
Revenue-based funding for businesses with strong deposits but a rougher personal credit file.
See working capitalBusiness Line of Credit
Revolving access you draw on only when you need it, instead of a one-time lump sum.
See lines of creditEquipment Financing
Buy machinery or vehicles with the equipment itself as collateral, often at a lower rate.
See equipment financingSBA Loans
Government-backed financing with strong long-term terms if your business has the time-in-business history to qualify.
See SBA loansStartup Funding
Brand new business, no tax returns yet? There are paths built for early-stage owners too.
See startup fundingSmall Business Loans
Not sure which fits? Start at the hub and I’ll route you to the right structure.
See all optionsQualifying for Unsecured Business Loans Is About You, Not Your Assets
I look at your personal credit and your income, not your collateral and not how long you have been in business. I qualify deals honestly so you and I don’t waste time.
✅ What you need
- ✔A 680 or higher personal credit score across all three bureaus.
- ✔2 years of personal tax returns showing $50,000 or more in taxable income.
- ✔No minimum time in business required.
- ✔No assets or collateral, and no down payment.
💡 How it works in your favor
- →Rates run 9 to 15 percent depending on the strength of your personal credit, fixed for the full term.
- →Fixed monthly payment, no surprises, and no prepayment penalty if you pay it off early.
- →Full liquidity immediately, funds are deposited into your account with no restrictions on use.
- →The stronger your personal credit and income, the better your rate.
Get Your Unsecured Business Loan Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep, and no selling your info to a third party.
Got it. I’m on it.
Your unsecured business loans request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Four Steps. Simple and Fixed.
A simple application, your credit profile and two years of personal tax returns is all it takes to start. No business plans, no faceless portal, no junior rep. You deal with me.
Apply
Fill out the quick form and share your personal credit range and two years of tax returns.
I Match You
I match you to the right lender based on your personal credit and income, not your collateral.
Get Funded
On approval, funds are deposited into your account in 7 to 15 business days.
Fixed Payment
Repay on a fixed monthly payment for the full 5 or 7 year term, no prepayment penalty.
Recent Fundings From My Desk
A snapshot of the deals I match to lenders across the country. Every business is different, yours starts with a conversation.
$85K · 5-Year Term
Unsecured funding for a marketing agency owner to hire two account managers, no collateral pledged.
$220K · 7-Year Term
Funded a second retail location for an owner with strong personal credit and only 18 months in business.
$50K · 5-Year Term
Quick unsecured funding for equipment and inventory ahead of a busy season, deposited in under two weeks.
How Unsecured Business Loans Fit Into the Bigger Lending Picture
This financing sits inside a broader small business lending and consumer credit framework. Here is where I point clients who want to understand the rules behind the numbers before they apply.
SBA Lending Programs
If your business has the time-in-business history for a government-backed option, compare it against unsecured business loans before you decide.
See SBA.gov loan programs →How Credit Scores Work
Because unsecured business loans are underwritten on personal credit, understanding how your FICO score is built helps you know where you stand before you apply.
See CFPB credit score guidance →Business Lending Disclosures
The FTC publishes consumer and small business finance guidance covering how lenders must disclose loan terms and costs.
See FTC lending guidance →How I Match Unsecured Business Loans to the Right Lender Fast
Not only do I help you find the right financing, I guide you through the whole process and review every part of the application with you so I can secure your financing quickly. My lender network is made up of institutions that underwrite unsecured business loans on personal credit and income, which means more approval pathways than any single bank offers.
Here is how it works. Unsecured business loans give you $50,000 to $500,000 on a fixed 5 or 7 year term, priced at 9 to 15 percent depending on the strength of your personal credit, with a fixed monthly payment for the life of the loan. There is no minimum time in business, no assets or collateral pledged, no down payment, and no prepayment penalty if you pay it off early. Approval is built around a 680 or higher personal credit score across all three bureaus and two years of personal tax returns showing $50,000 or more in taxable income, not your balance sheet.
That is a meaningfully different qualification bar than most commercial financing. A bank wants years in business and collateral before it will talk to you. Unsecured business loans through my network look at you, the owner, first. Funds are deposited directly into your account, giving you full liquidity, and there are no restrictions on how you use the money, whether that is expansion, hiring, equipment, inventory, a new location or paying down costlier debt. According to the U.S. Small Business Administration, access to capital remains one of the biggest barriers small business owners face, and a lender willing to underwrite on personal credit rather than collateral opens a door that would otherwise stay closed.
So tell me what your deal looks like. Strong personal credit but light on collateral or time in business? This program fits. Prefer revenue-based funding instead? Working capital loans. Want revolving access you draw on as needed? A business line of credit. Buying equipment? Equipment financing. Have the time-in-business history for government-backed terms? An SBA loan such as a 7(a) loan. Brand new business? Startup business funding. Buying property or a building? Commercial real estate loans. Bigger picture? See small business loans or every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, SBA loan programs; Consumer Financial Protection Bureau, credit reports and scores; Federal Trade Commission, credit and finance guidance.
Straight Answers Before You Apply
What are unsecured business loans?
What credit score do I need for an unsecured business loan?
Do I need collateral for an unsecured business loan?
How much time in business do I need?
What income documentation do I need?
How fast can I get funded?
What does it cost to work with you?
Unsecured Business Loans by Industry
Unsecured business loans work for almost any industry because approval rests on you, not your business assets. Find your industry below.
An Unsecured Business Loans Advisor Who Looks at You, Not Just Your Balance Sheet
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. A bank looks at your balance sheet and your time in business. I have lenders who look at you, your personal credit and your income, and underwrite unsecured business loans on that basis. I personally review every application, match you to the right lender, call you directly, and never text. For more on small business capital, see the SBA’s 7(a) loan program and its Lender Match overview.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm … and most want years in business and collateral before they will even look at your file. I match you to unsecured business loans built around your personal credit and income instead … $50,000 to $500,000, a fixed 5 or 7 year term, no collateral, and a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, personal credit profile, income and deal structure. Unsecured business loans generally range from $50,000 to $500,000 with fixed terms of 5 or 7 years and fixed monthly payments, at rates typically ranging from 9 to 15 percent depending on the strength of personal credit. Qualification generally requires a 680 or higher personal credit score across all three credit bureaus and two years of personal tax returns showing $50,000 or more in taxable income; approval is not guaranteed and not all applicants qualify. There is no minimum time in business requirement, no personal or business collateral required, no down payment, and no prepayment penalty. Funding in 7 to 15 business days is common but not guaranteed. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.