Unsecured Working Capital
Tap your cash flow. Watch your business grow.
Fast, flexible financing approved based on your cash flow — with no assets or collateral required.
Fast, flexible financing approved based on your cash flow — with no assets or collateral required.
What is unsecured working capital?
Revenue based financing is a common strategy for businesses to acquire capital without pledging any assets or collateral. Instead, this type of financing considers your business’s cash flow via monthly bank deposits to determine eligibility and amount of funds you can borrow.
- Typically for clients that need funds quickly
- Early Payoff Discounts available depending on products
- Minimal Paperwork needed = FAST FUNDS!
Is unsecured working capital right for my business?
How much money can I receive through this type of financing?
Eligible capital typically amounts to around up to 125% of your monthly revenues. You payback through a daily, weekly, bi-weekly or even monthly* fixed payments via ACH from your funder. *Monthly qualifications are typically industry and common ending balance dependent based on internal guidelines.
Are there other qualifications for working unsecured working capital?
Beyond cash flow, type of industry, time in business, credit score, and revenue streams are considered for this product. This helps determine not only eligibility but also term, rates, and limits of your financing agreement.
How is this type of financing different from a traditional loan?
This funding strategy differs from traditional financing in that it uses a factor rate instead of a fixed term, repayment schedule or APR.
No collateral required
Secure the capital you need based on cash flow — without having to pledge any type of asset or collateral.
Funds that flex
Capital can be used to fund a variety of business needs from everyday operations to securing growth opportunities.
Fast time to fund
Idea when you cash fast, you can be approved in a little as 1 hour and funding within about 48 hours.
Early payoff discount
SmallByzLoans clients who shorten payment cycles are eligible for an early payoff incentive to help fund what’s next.
While your business may be financially sound and growing — surprises happen. Smallbyzloans and unsecured working capital are here to bridge the gap. This fast, flexible capital ensures your operations can continue without a hitch and your credit rating remains unscathed.
Advantages
- Low FICO requirements
- Fast approval and funds
- Funds a variety of business needs
Minimum qualifications
- 400 minimum FICO credit score
- 3+ months in business
- $10,000 min. gross monthly sales
What you’ll need to apply
- Business application
- Last 3 months of business bank statements
Let’s get down to funding your business.
There’s the SmallByzLoans way to get smart financing fast — and there’s everything else. We believe in your small business, and we believe in our approach. No nonsense. No surprises. Just expert guidance from start to finish.
Looking for more? Contact us.