Business Funding Guide
Business Line of Credit, No Collateral
March 12, 2026
How to Get a Business Line of Credit with No Collateral
You can get a business line of credit with no collateral by qualifying for an unsecured line of credit based on your personal credit score. If your score is 720 or above and your credit history is clean, you can access up to $150,000 in revolving business credit without putting any assets on the line.
Quick Summary
- Unsecured business line of credit: $50K-$150K with no collateral of any kind
- Requires 720+ personal credit score, no business history or revenue requirement
- 0% intro interest period for 12-24 months on most cards in the program
- Revolving: draw what you need, repay, reuse the credit limit
- Banks require collateral for credit lines. SLOC does not
The Collateral Problem
Traditional lenders require businesses to pledge assets: real estate, equipment, inventory: to secure a loan. If the loan defaults, they take the asset. For small businesses and startups without significant collateral, this requirement creates a wall.
The National Small Business Association found that 27% of small businesses are unable to access credit specifically due to a lack of collateral. It is not a cash flow problem or a credit problem for most of them. It is a collateral problem.
Unsecured business lines of credit exist to solve exactly this.
What an Unsecured Business Line of Credit Actually Is
An unsecured business line of credit does not require collateral. The lender evaluates your personal credit profile instead. You get approved for a credit limit, draw what you need, repay it, and the credit resets. It is revolving: not a one-time loan. Our SLOC product carries 0% interest for the first 12 to 24 months.
At SMB Funding Group, unsecured lines of credit are available up to $150,000. The primary qualification requirement is a personal credit score of 720 or higher. No business history is required. No revenue minimum. No tax returns.
Who Qualifies
To qualify for an unsecured business line of credit through SMB Funding Group:
- Personal credit score of 720 or higher
- No open bankruptcies or active collections
- US-based business at any stage, including pre-revenue
If you meet those three criteria, you can check your eligibility in 3 minutes with no impact to your credit score.
How the Process Works
- Pre-qualification (3 minutes): Answer a few questions about your credit profile. Soft pull only.
- Review: Your profile is matched to available credit lines in our network.
- Offer: You receive a specific credit offer. No obligation to accept.
- Funding: Accept the offer and access your credit line within a few business days.
No lengthy paperwork. No business financials. No collateral appraisals.
Frequently Asked Questions
What is the difference between a secured and unsecured business line of credit?
A secured business line of credit requires collateral: assets the lender can claim if you default. An unsecured business line of credit requires no collateral. Approval is based on your personal credit score instead.
How much can I borrow with an unsecured business line of credit?
Through SMB Funding Group, unsecured business lines of credit are available up to $150,000. The exact amount depends on your personal credit profile.
Do I need a business history to qualify?
No. Unsecured business lines of credit through SMB Funding Group do not require business history. You can qualify as a brand-new startup as long as your personal credit score is 720 or above.
What credit score do I need?
A personal credit score of 720 or higher is required. No business credit score is needed.
See If You Qualify
If your personal credit score is 720 or above, you may qualify for up to $150,000 in revolving business credit with no collateral required. Pre-qualification takes 3 minutes and will not affect your credit score.
Subject to credit approval. Terms and rates vary by applicant.