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Unsecured Business Funding/Capital Stacking

Our unsecured business funding option is one of our most popular loan options as it’s among the easiest to qualify for, and this is the first step for many in obtaining and building business credit. This will help you get approved for even more loans and credit lines as your business credit is established. Below are our funding requirements for this option:

Stated Income

No income documentation is required to qualify. No bank statements or tax returns are needed.


This program is completely non-collateralized but still personally guaranteed by the applicant. This includes the business credit accounts.

Typical Results

This program is based on your personal credit profile, not on your income, requiring only a few established accounts to meet our pre-qualification. The total revolving credit lines can range from $20,000 to $200,000. The goal of this type of funding is business credit so it will not reflect on your personal credit.


The applicants’ lowest scores only need to be 680 or higher, or a credit partner (business partner, spouse, relative, etc.) can be used as a personal guarantor for funding.

Soft Credit Pull

We can get you a funding offer without a hard credit pull.

Credit Partner

Don’t have the 680 requirements yet? You don’t have to worry! You can bring in a credit partner, such as a business partner, spouse, relative, or friend, to personally guarantee the loan for a short time while you work on your personal credit. There will be no impact on their personal credit as these are business lines of credit that report to Dun & Bradstreet, not their personal credit profile.


We are now happy to offer an addition to our business funding program. The Fast Track is perfect for individuals with a credit score of 650+ who are looking to establish a credit profile. The funding range is $5,000 to $25,000 and still at 0% for 12 to 24 months.

Don’t want to wait for an appointment? You can apply using the link below – this will NOT affect your credit. We will reach out within 24-48 hours to review your funding offer.

Want to know what’s on your credit BEFORE you apply? Click here for a comprehensive 3 bureau report.