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No collateral revenue-based financing for operators

Funding generally not secured by specific assets, so your equipment and property stay free. Built for established businesses doing $60K+ a month.

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No Specific Collateral

Keep your assets working while your revenue does the lifting

Revenue-based financing through our partner, Merchant Fund Express, leans on your deposits rather than a lien on specific assets.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Funding that leans on revenue, not assets

No specific assets pledged

This funding is generally not secured by specific assets. A personal commitment may still be part of the agreement, so read your offer.

Quick when the file is ready

Qualified businesses can be funded in as little as 24 hours. About 3 months of statements, no tax returns.

Flexible on credit

FICO 500+ is considered, and the process opens with a soft credit pull.

Total cost shown first

Your offer lists the full repayment amount and schedule before you accept. No surprise costs after you sign.

What no collateral means, and what it does not

Revenue-based financing is generally not secured by specific assets. You are not pledging a particular truck, building, or piece of equipment the way you would with a traditional secured loan. The advance is backed by the expectation of future revenue, and you repay it as a share of your deposits.

To be clear about the limits: the agreement may still include a personal commitment from the owner, such as signing personally, and it may include a general claim on business receivables. Read every agreement carefully so you know exactly what you are agreeing to. We would rather you understand it than be surprised later.

Why owners prefer it

A practical example

For illustration only. A staffing agency places workers at several manufacturing plants. It invoices weekly, deposits are steady, and the business runs around $180,000 a month. It owns almost nothing physical: laptops and a leased office. A secured lender wants collateral the agency does not have. Revenue-based financing looks instead at the consistency of those deposits, which is where this business is strongest.

How the review works

The review centers on about three months of business bank statements. Funders typically look at deposit consistency, average balances, and existing obligations. FICO 500+ is considered, and the process starts with a soft credit pull. No tax returns are required. More detail is in what funders look at.

Getting started

This program is built for established businesses doing $60K or more a month, and sole proprietors can apply. Amounts run from $25,000 to $5,000,000, with funding in as little as 24 hours for qualified businesses. Funding is provided through our partner Merchant Fund Express. Start your 5-minute application.

Eagle's credit repair services are separate and not required to apply. Funding does not improve your credit score.

Frequently Asked Questions

Is revenue-based financing really collateral-free?

It is generally not secured by specific assets like vehicles or property. The agreement may still include a personal commitment from the owner and a general claim on receivables, so read it carefully.

Will the funder put a lien on my equipment?

Revenue-based financing does not typically pledge specific equipment, but review your agreement for any general business filings before signing.

What backs the advance if not assets?

Your future revenue. Remittances are drawn as a share of deposits, and the total cost is fixed up front.

Can a service business with few assets apply?

Yes. Established businesses doing $60K or more a month can apply regardless of how many hard assets they own.

Is it faster than a secured loan?

Often, because no one needs to appraise or verify a specific asset. Qualified businesses can be funded in as little as 24 hours.

Who provides the funding?

Funding is provided through our partner Merchant Fund Express.

Working capital $45,000.00
Seasonal stock $33,000.00
Tenant upgrades $58,500.00
Staffing up $39,000.00

Example uses for illustration only.

How to improve your chances

Without collateral in the picture, your bank statements carry the file.

  • Keep business deposits in one dedicated account
  • Cut down on overdrafts and NSFs
  • Maintain a healthy average daily balance
  • Have 3 months of complete statements ready

How Eagle funding compares to a secured bank loan

Eagle Business Funding
Traditional bank loans
Asset pledge
Not tied to specific assets
Collateral usually required
Time to funds
As little as 24 hours
Weeks to months
Paperwork
About 3 months of statements
Tax returns, financials, more
Credit
FICO 500+ considered
Strong credit usually expected
Cost clarity
Full repayment shown up front
Rates plus appraisal steps

Fund growth and keep what you own unencumbered

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding