Frequently Asked Questions
Everything you need to know about unsecured business loans, private lending, our loan programs, and how to close your next deal.
What does ER Capital Partners do?
We are a direct private lender providing secured and unsecured business loans, real estate financing, small business and SME loans, tech start-up financing and agricultural loans.
How is ER Capital different from a bank?
Banks can take 30–90 days and require perfect credit and extensive paperwork. We are a direct private lender with our own discretionary capital. We move in days, not weeks, and we fund deals that banks pass on.
Where do you lend?
We lend throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets, directly or with locally licensed partners where required. Loans can be funded in USD, CAD, AED or GBP.
How fast can I get funded?
Unsecured and small business loans are often decided within 24–48 hours and funded within days. Real estate loans typically close in 5–10 business days, and larger SME or agricultural facilities in 1–3 weeks.
Do you offer unsecured loans?
Yes. Unsecured business loans from $25K to $2M require no lien on real estate, equipment or inventory. Approval is based on revenue, cash flow and credit, and principal owners may provide a personal guarantee.
What is the difference between secured and unsecured loans?
Secured loans are backed by collateral such as property, equipment or receivables, which allows larger amounts, longer terms and lower pricing. Unsecured loans need no collateral, so they are faster and keep your assets free.
Do you lend to start-ups?
Yes. Our Tech Start-Up program offers venture debt, revenue-based financing and bridge-to-equity loans from $50K to $5M for companies with recurring revenue or institutional investor backing.
Do you offer agricultural loans?
Yes. We finance farmland, equipment, operating capital, livestock and facilities from $100K to $25M, with annual, semi-annual or harvest-timed payments.
What is a hard money loan?
A hard money loan is a short-term, asset-based loan secured by real estate and underwritten primarily on the value of the property rather than the borrower’s income.
Do you require tax returns or W-2s?
Not for most real estate programs. We underwrite the deal and the collateral, not your employment history.
What is the minimum credit score?
Generally 620 for real estate programs, although deal quality and property value matter more than credit score.
What documents should I upload?
An executive brief or summary and a use of funds statement are the most helpful. Financial statements, projections and collateral documents speed up your term sheet. You can upload them directly with the loan request form.
Is there an application fee?
No. There is no application fee and no obligation to proceed after you receive a term sheet.
No Collateral. No Property Liens. Fast Decisions.
Not every opportunity comes with a building to pledge. Our unsecured business loans from $25K to $2M are approved on the strength of your revenue, cash flow and track record, so your property, equipment and personal assets stay free. Decisions arrive in 24–48 hours, with funding in days.
Why borrowers choose unsecured
- Keep real estate and equipment unencumbered
- Credit decisions in 24–48 hours
- Funding typically in 3–5 business days
- Fixed payments and transparent pricing
- Use funds for almost any business purpose
- Available in the U.S., Canada, UAE & UK
Lending Across the U.S., Canada, UAE, UK & Beyond
ER Capital Partners funds borrowers throughout the United States, Canada, the United Arab Emirates, the United Kingdom and selected international markets. We lend directly or with locally licensed partners where required, in USD, CAD, AED and GBP, with secured and unsecured options in every market.
United States
All 50 states
Canada
All provinces
United Arab Emirates
Dubai, Abu Dhabi & beyond
United Kingdom
England, Scotland, Wales & NI
Selected Markets
Approved international markets