Why owners avoid pledging assets
An owner who has paid off a fleet of service vans, or bought the building the shop sits in, has usually done it the slow way. Putting those assets on the line for a short-term cash need feels backward, and it slows things down. Secured financing means appraisals, lien searches, and paperwork that can stretch a decision across weeks.
Funding that is built on revenue skips most of that. The review centers on what your business deposits each month rather than what it owns, which is why decisions can come back quickly.
Options that do not require collateral
| Option | What it is based on | Common use |
|---|---|---|
| Working capital | Monthly revenue and deposit history | Payroll, supplies, short gaps |
| Merchant cash advance | Future card and deposit receivables | Inventory, seasonal pushes |
| Business line of credit | Revenue and account activity | Draw as needed, repay, draw again |
Equipment financing is the exception: the equipment being purchased typically secures that financing, but your existing assets stay untouched.
What fast really means here
We use the phrase same day because that is what owners search for, and decisions on unsecured options can move that quickly. Funding itself arrives in as little as 24 hours for qualified businesses. If anything moves faster, it is because the file was complete early and the bank posted quickly, not because of a promise anyone can make in advance.
Who this is built for
Established businesses doing $60K or more a month, with personal credit that does not reflect how well the company runs. A landscaping firm with commercial maintenance contracts. A dental office that expanded into a second suite and stretched personal lines to do it. A distributor whose owner had a medical collection two years ago that still drags on the report.
FICO 500 and up is considered. About three months of business bank statements tell most of the story, and no tax returns are required. Sole proprietors can apply too.
How to get started
- Fill out the five-minute funding application.
- A soft credit pull starts the review, with no hit to your score at that stage.
- Upload roughly three months of business statements.
- Review the offer and decide if it fits.
A note on who does what
Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000. Eagle Credit Repair handles credit repair as a separate service. You do not need to finish credit work before applying, and taking on funding does not raise your score. Read more on the partner page.
Frequently asked questions
Is no-collateral funding the same as unsecured?
In everyday use, yes. The funding is based on revenue and receivables rather than on property, vehicles or equipment pledged as security.
Can funding with no collateral arrive the same day?
Decisions can come back the same day for complete files. Funding for qualified businesses can arrive in as little as 24 hours; faster depends on the file and your bank.
Will you put a lien on my equipment?
Working capital, merchant cash advances and lines of credit are not built on pledging your existing equipment. Equipment financing is tied to the new equipment being bought.
Does a low credit score rule out unsecured options?
No. FICO 500 and up is considered, and steady monthly deposits carry significant weight.
Do I need tax returns?
No. About three months of business bank statements is the main document.