Unsecured Business Loans
Fast capital with no property, equipment or asset pledged. Unsecured funding from $25K to $2M, approved on the strength of your business, with decisions in 24–48 hours.
Keep Your Assets Free. Get Funded Fast.
Most lenders want a lien on your building, your equipment or your home before they say yes. ER Capital Partners offers true unsecured business loans: you keep every asset unencumbered, and we underwrite the strength of your business instead.
Because there is no appraisal, title work or collateral valuation, unsecured loans move faster than almost any other form of financing. Many clients receive a decision within 24–48 hours and funds within a week, so they can act on inventory buys, hiring, contracts and growth opportunities when they appear.
Unsecured capital also preserves your borrowing power. With your real estate and equipment left free, you can still use them for a secured loan later, or keep them protected entirely.
Program Highlights
- No real estate, equipment or inventory pledged
- Approval based on cash flow, revenue and credit
- Decisions in 24–48 hours, funding in days
- Fixed monthly payments with no surprise fees
- Use the funds for almost any business purpose
- Builds business credit for future financing
- Revolving lines and term loans available
- Available across the United States, Canada, the UAE, the UK and selected international markets
What You Can Finance
Working Capital
Cover payroll, rent and operating costs through seasonal swings or growth spurts.
Inventory & Supplies
Stock up ahead of peak season or take advantage of supplier discounts.
Growth & Marketing
Launch campaigns, open new locations or enter new markets.
Hiring
Bring on the team you need to deliver new contracts.
Bridge Receivables
Smooth cash flow while you wait for customers to pay.
Refinance Costly Debt
Replace merchant cash advances or high-cost short-term loans.
Typical Requirements
- Operating business, typically 12+ months (start-ups considered case by case)
- Consistent monthly revenue (typically $15K+)
- Owner credit score generally 620+
- Personal guarantee from principal owners may be required
- No open bankruptcies or unresolved tax liens
Documents We Will Ask For
- Short application and executive summary
- Last 6 months of business bank statements
- Most recent business tax return or financial statements
- Government-issued ID for each owner
- Use of funds summary
You can upload these directly with your loan request form.
From Request to Funding in 4 Steps
Submit Your Request
Complete the loan request form and attach your executive summary and use of funds.
Receive a Term Sheet
A loan officer reviews your file and issues indicative terms, often within 24–48 hours.
Underwriting
We verify financials, collateral (if any) and your plan, with one point of contact throughout.
Close & Fund
Sign your loan documents and receive funds by wire, in USD, CAD, AED or GBP.
Frequently Asked Questions
Do I really not need any collateral?
Correct. Our unsecured loans do not require a lien on real estate, equipment, inventory or other business assets. In most cases we ask principal owners for a personal guarantee, which is standard for unsecured business credit.
How fast can I get an unsecured loan?
Because there is no appraisal or title work, we can usually issue a credit decision within 24–48 hours of receiving a complete file and fund within 3–5 business days of approval.
How much can I borrow unsecured?
Unsecured amounts range from $25,000 to $2,000,000 and are sized to your verified revenue, cash flow and credit profile.
Can start-ups qualify for unsecured funding?
Start-ups with strong revenue traction, committed contracts or significant investor backing can qualify. See also our Tech Start-Up Loans program.
You May Also Consider
Small Business Loans
Simple, fast financing from $10K to $1M for main-street businesses, with secured and unsecured options.
General SME Loans
Financing from $250K to $10M for established SMEs: growth capital, acquisitions, working capital lines and refinancing.
Secured Business Loans
Larger amounts and sharper pricing backed by real estate, equipment, receivables, inventory or other assets.
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
Ready to Talk About Your Unsecured Loans?
Submit your request with your executive summary and use of funds. A loan officer will respond within one business day. No application fee, no obligation.