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Unsecured Business Loans

Unsecured Business Loans

At times,your small business may have an urgent cash requirement but you may not have the funds available to meet your commitments. This could be because a regular customer has not paid you as promised or even due to a slowdown in business. In the normal course, you could turn to a bank or a credit union for a loan. But if you have a poor credit score or little or no collateral to offer, it may be difficult to raise money from these sources. In a situation like this, an unsecured business loan can provide fast and convenient access to cash. Apart from the speed at which an unsecured business loan can be made available, its other major advantage is that many lenders will provide cash even without taking any collateral. A number of alternative lenders offer this product. Their online application process is quick and effortless and does away with the submission of detailed paperwork. Another benefit that you would get with an unsecured business loan is that repayments are flexible and can be tailored to suit your business’s cash flows. The term of an unsecured business loan would usually range from 12 to 36 months. Although a high credit score is not necessary to get an unsecured business loan, the score will play a role in determining the amount of loan that can be taken and the rate of interest that will be charged. You would do well to remember that different lenders have widely varying policies and while some will directly link the rate of interest to your credit score, others will also consider other factors especially the revenue that your business generates. If your business has consistent sales, lenders are assured that you would have the funds to pay them back. This could lead to a higher loan amount and even a lower rate of interest. When taking an unsecured business loan, there is a probability that you would be asked to furnish a personal guarantee. All lenders do not have this requirement but many do. You should carefully consider the implications of putting your personal assets, especially our home, at risk. You may want to take more time and look for a lender who will not insist on a personal guarantee. While an unsecured business loan is expensive when compared to some other financial products, it may be just the solution you are looking for if you do not have a great deal of collateral to offer and you need funds in a hurry.

With over 500 business lenders, you are sure to find one that can help your small business get the money it needs to succeed. Most of the lenders work with all types of business lending options and are flexible with the amount you may be asking for. Most times you just need to fill out a quick and simple loan application and you could get your money in as little as 24-48 hours. It’s time to see what your business can do!

Accountable Capital Corp.

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(41 reviews)

1st Business Finance

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(0 review)

Accountable Capital

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(0 review)

Advance Funds Network

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(0 review)

Advance Smart

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(0 review)

All American Capital Group

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(0 review)

America Funding Lending

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(0 review)

Americais Funding Partners

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(0 review)

American Business Credit

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(0 review)

American Business Lending, Inc.

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(0 review)