Business funding without putting up collateral
Need to invest, smooth a cash-flow gap or move quickly without tying up real estate, inventory or equipment? Compare unsecured business loans from a panel of funding partners with one soft credit pull that leaves your credit score exactly where it is.
Without an asset, your trading does the talking.
A funding partner has nothing to value and nothing to repossess, so the question becomes a simpler one: can this business comfortably repay from how it already trades? Revenue, time trading and the shape of your cash flow carry far more weight than any single number, and recent bank statements usually settle it, because they show real money moving rather than a forecast of it.
- Recent monthly or annual revenue
- How long you have been trading
- The consistency and seasonality of your cash flow
- Your credit profile and any existing borrowing
- The strength and standing of the directors
- What the funding is for and how it will be repaid
Adverse marks do not automatically rule you out, because different partners on a panel have different appetites. Comparing offers is a soft credit pull that leaves no footprint on your profile, and a full credit check only happens if you accept an offer and proceed.
Sized to the business, not to a building.
Unsecured borrowing is generally more modest and shorter than what you could raise against property, and that is the point of it rather than a shortcoming.
The amount follows your trading
With no asset to value, funding partners size the loan against how you trade, and recent revenue tends to be the rough anchor. Facilities commonly run from a few thousand for a small, short need up to several hundred thousand for an established business with strong, consistent trade.
Terms in months, or a small number of years
Shorter than you might raise against property, because there is no security sitting behind the loan. The trade inside the term is the familiar one: a shorter term means higher installments and less interest overall, a longer one eases the monthly figure and costs more in total.
Regular installments covering capital and interest
You repay a fixed amount over the agreed term, most often monthly. The rhythm is predictable, which is exactly what makes it easy to plan around and unforgiving if trade drops away.
Interest, and sometimes an arrangement fee
Pricing is risk-based, so each offer is priced against the strength of your trading, your credit profile and the term you ask for. Some products quote a fixed total cost rather than a traditional interest rate, so read what the whole thing costs rather than one number.
Set by the funding partner, not by us
Every rate, fee, amount and term comes from the individual partner and is subject to their approval. Capvant is a marketplace and introducer, not a lender, so any figure you see while comparing is illustrative until a partner makes a firm offer.
Every partner prices the same request differently. One soft credit pull brings the actual offers back together, and nothing touches your credit score.
You are buying freedom, and paying for it.
A secured loan is backed by a specific asset the funding partner can claim if the debt is not repaid, which is exactly why it can reach larger amounts, longer terms and keener pricing. An unsecured loan removes that charge over your property or equipment, so it is usually simpler and faster to arrange, and it tends to stop at smaller sums over shorter periods.
Being clear about which one you actually want is worth more than shaving a fraction off a rate. If the investment is large and long-lived, secured borrowing may be the more efficient way to raise it, provided you are comfortable with the asset being at risk.
NO CHARGE REGISTERED, NO ASSET VALUEDUnsecured does not always mean nothing is on the line.
This is the part that surprises owners, so it is worth stating before you are reading it in a contract rather than on a website.
What a guarantee actually is
A promise from one or more directors to repay the debt personally if the business cannot. It is a legal commitment rather than a charge over a named asset, which is why a loan can be unsecured and still carry one.
It is not automatic
Whether one is required, and how far it extends, is decided by the individual funding partner and set out clearly in the paperwork before you agree to anything.
The wording varies more than the rate
Some guarantees are capped at a proportion of the debt, some are shared between directors, some are neither. Two offers a fraction apart on price can be very different commitments once you read this part.
Compare it like any other term
Seeing several offers together lets you weigh a slightly different rate against the commitment being asked of you, rather than discovering the difference after you have already chosen.
Sometimes the right answer is a different shape entirely.
Unsecured business loans suit established businesses that want funding without tying up property, stock or equipment. When that is not the problem you have, these fit better, and one request covers them all.
You need a larger sum or a longer term
Borrowing against property or business assets can unlock more headroom for longer, provided you are comfortable that the asset is at risk if repayments are not met.
Compare secured business loansThe need is a short, defined one-off
A one-off cost or a temporary shortfall over a few months usually sits better on a short facility with a clear end date than on a multi-year commitment.
Compare short-term business loansYou want standby money rather than a lump sum
A revolving facility sits unused until you draw on it, and you pay for what you use rather than for the whole amount from day one.
Compare credit facilitiesThe money is for a specific machine or vehicle
Asset finance spreads the cost across the working life of the kit and is secured on the kit itself, which usually prices better than borrowing the same sum unsecured.
Compare equipment financingThe gap is customers paying slowly
If the money is only late rather than missing, funding your ledger tends to be the closer match to the problem.
Compare invoice financingRather than approaching partners one at a time, one request puts a range of options in front of you after a single soft credit pull. You choose which offer, if any, to take forward, and only then does a full credit check happen with the partner you select. The full path is set out on how Capvant works.
Pick the range you are after and see what unsecured business loans could look like for your business, with nothing pledged to find out.
Frequently asked questions
What is unsecured business loans?
Raise business financing without pledging property or equipment, underwritten on how your business actually trades and compared across a panel of funding partners in one place. Through Capvant you compare unsecured business loans offers from multiple funding partners in one place, then choose what works for your business.
How much can I borrow?
Amounts depend on your trading history, revenue and the offers our partners make. Many businesses access $5,000 to $500,000 and beyond.
Will checking my options affect my credit score?
No. Seeing your options through Capvant is a soft credit pull, so it leaves no mark on your credit report. A lender only runs a full credit check if you decide to accept an offer.
Is Capvant a lender?
No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.
How fast can I get funded?
Once you accept an offer, many businesses receive funds within a few business days, some products fund same day.
Do I have to put up any security?
No specific asset is pledged and no charge is registered over your property, vehicles or equipment, which is what makes the loan unsecured. Many unsecured business loans are supported by a personal guarantee from a director instead, which is a promise to repay personally rather than a charge over a named asset.
What do funding partners look at instead of assets?
Evidence that you can repay comfortably from ongoing trade. Recent business bank statements usually do most of the talking, because they show real money moving in and out rather than a forecast, alongside your revenue, how long you have been trading and your existing commitments. Credit history is part of the picture but rarely the whole story, and different partners have different appetites.
Is an unsecured loan quicker to arrange?
Generally, yes. With no asset to value and no legal charge to register, much of the procedural work that comes with secured lending falls away. Quicker does not mean automatic though: every application is assessed on its own merits and is subject to the funding partner’s approval, and having recent bank statements and up-to-date accounts to hand is the biggest thing within your control.
Fund the next move. Keep your assets free.
One request, competing offers from a panel of funding partners, and a soft credit pull that leaves your credit score exactly where it is.
No obligation. Checking your offers won’t affect your credit score.
Disclaimers & footnotes
- 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
- 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
- 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
- 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
- 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
- 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.
Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorized or regulated by the Financial Conduct Authority (FCA).
Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.
Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.
If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.
Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.
Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.
Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.
Company information may be sourced from public registers such as Secretary of State business filings, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.
The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.
By submitting an application or funding request, you authorise Capvant to share relevant business, owner, request and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.
Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.