Unsecured Business Line With No Collateral

unsecured-linesAre you stuck with a cash flow problem? Unsecured business lines of credit are ideal for small and large business owners. There’s no collateral requirement, and we’ll lend according to your seasonal needs.

Quick Glance

Unsecured loans are not backed by property, so you don’t have to worry about tying up your assets. Plus, our rates are highly competitive and lower than what you get on many credit cards. Qualified customers enjoy A-paper products and the choice to open a group or individual line. We’re currently offering 0% introductory rates on many business options and 1-5% on higher lines.

Who We Qualify

Your loan amount is based on your company’s profitability. You may qualify for our top limits if you have a solid credit history and a seasoned revenue stream. Startups and small operations can expect to receive between $25,000 and $150,000 (250K case-by-case) in funding. All applicants will need the following in order to qualify:

  • Good credit history (700+)
  • Qualified co-signer if you have poor credit, credit partner or business partner allowed
  • Low debt-to-income ratio
  • Payment for your credit check


Rates and Terms

Guildelines Criteria
Minimum Loan $25,000
Maximum Loan $150,000 (250K case-by-case)
Utilization 30% or less
Inquires 6 Or less per Bureau in
the last 6 months
Industry Any
Bankruptcies None in last 10 years (Open or Close)
Timing (estimated) 1-10 Days
Term Lifetime
Location Nationwide
Interest Rates 0% for the first 6-12 months, after that 8-13%
Backend Fee Up to 10%
Line Type Revolving
Recourse Personal Guarantee
Borrower Entity Individual or Entity
Minimum Credit Score 700 or higher

Pre-Qualify Risk-Free

At Express Capital Financing, we don’t offer subprime rates on unsecured credit. Customers either get prime rates or they don’t get approved. Call us today to see if you qualify. There’s no obligation and it takes less than 10 minutes by phone.