shopify analytics ecommerce
Small business loans without collateral

Smart Business Financing

Helping you invest
so you can reach the stars

How To Get A Small Business Loan Without Collateral

The operator of this website is not a lender or loan provider, and is not an agent, representative or broker of any lender or loan provider. This website does not constitute an offer or solicitation to lend and the information submitted by you is not an application for business loan financing. We are a referral matching service to qualified participating lenders. We do not charge you to use our service and/or website.
Please note, the information submitted by you will be shared with participating lenders to fulfill your request to be matched with a participating lender(s). Participating lenders may perform credit checks with credit reporting bureaus, obtain financial reports through alternative providers and may also contact parties with whom you have business relationships to verify that you meet their lending criteria. Participating lenders may require you to pay a fee to cover the costs of any such inquiry. Participating lenders may not offer all loan products and loan products may not be available in all states. The states serviced by this website may change from time to time, without notice.
The operator does not guarantee you will be connected with participating lenders, receive conditional loan offers or enter into a loan agreement. The operator does not endorse, recommend or guarantee the price, loan amount, product, availability, rates or fees of participating lenders. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly.
This service is void where prohibited. This website is not an independent source of updates about business financing and the content provided herein is for informational purposes only. Please see the Privacy Policy and Terms of Use for more information. Consult with your independent legal, business and financial advisor before acting on any information provided on this website.


For Agencies and Teams

High approval rate
Faxless application
Cash directly to your account
No risks
Safe & secure forms
No hidden costs

There are types of loan that would not require a collateral in certain conditions. Banks and lending intuitions will work their way around the available options especially when they see great potential in profitability of your business venture, you have a good credit history, and have existing loans within the bank. Here are some guidelines that will help you get a small business loan without offering a collateral:

  1. Construct a comprehensive business plan. Having a good and well-presented business plan that projects a good future cash flow can help you convince lending institutions to grant you the loan. Being strategic and accurate in your documentation are factors that you should consider in doing your loan application. You should also be able to cover all the bases that the bank may require from you in terms of skills in managing the business venture. In addition to this, see to it that one of your goals is to improve your credit history so that the lending institution can see your commitment and consistency in loan repayments.

  2. Look for potential business partners. Having a good business plan is a great way to start your business and it may be even better to court reputable, passionate business-minded people with good credit history who shares the same interest in the business and who can also make a loan to increase cash flow of the business. Talk to your partner on how you will run the modalities of the loan and consider the fact that both of you are responsible for its repayments.

  3. Source funds from family and friends. You may want to ask for monetary help from family and friends if you wish to expand your business. You may need to explain to them thoroughly your current financial standing and convince that your business venture is worth investing in. There is a chance that you will receive some form of help so be prepared to negotiate and compromise. Make necessary contracts to ensure that agreements are being followed through.

  4. Peer-to-Peer Financing. This type of financing is not like other traditional lending institutions because it involves the cooperation of certain individuals. These individuals fund unsecured loans to borrowers entirely based on their business plan and their credit history. In this loan, everything is accomplished online and usually has higher interest rates within shorter terms.