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    "Very easy to work with. They have helps us out tremendously. Ask for Gil and he will take care of you." Rick L.

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    "Gil who works at Express Capital Funding was very helpful in helping with get Capital for my business when I really needed it". john W.

What Is an Unsecured Business Loan?

An unsecured business loan is a type of loan that does not require collateral. Unsecured business loans are a more flexible option and do not require you to secure them with anything except your signature. This type of loan is often preferred as it requires less paperwork.

Know The Differences Between Secured and Unsecured Loan

There are some important points that differentiate secured loans from unsecured loans. Obviously, the requirement of collateral is a major difference.  Typically, when you need to borrow money, lenders want you to provide them with something of value that they could seize if you do not keep up your end of the loan agreement. This is called collateral, and it secures the loan.

Keep in mind, secured loans come at a cost: risking a valuable business asset. In many cases, you have more freedom with unsecured loans and can use the funding for the areas your business needs it most.


Collateral required No collateral is needed
No advantage to prepay No prepayment penalties
Restrictive No Restrictions
Best for equipment financing, equipment leasing and vehicle loans Best for upcoming jobs, payroll, materials or working capital

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Get started on an unsecured loan for your business.
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Interest Rates for Unsecured Loans

Fee will vary and can be as low as 5.9%. Express Capital has the lowest loan costs in the industry, combined with a fast qualification process. We can get you approved and funded within the same business day. We base the cost on these criteria:



Credit history

While secured loans generally are a requirement for traditional banks, you can get a good rate on an unsecured loan if your recent credit history is in good standing.


Term of the loan

Costs are directly linked to your term of the loan — Express Capital only wants to make sure you are using your loan to help your business.

Express Capital Delivers Unsecured Funding Fast to Suit Your Business Needs

check markNo Collateral Required

check markBorrow from $5 - $150k

check markSimple Application Process

check markNo Prepayment Penalties

check markSame-day Funding

check markDirect Lender, No Broker Fees

check markA+ Rating with BBB

What You Need to Qualify for a Business Loan

Your Business needs to be at least a year old.
Have a minimum annual revenue of $90,000, 
or $7,500 per month over the last three months.


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