For more than 40 years, Market Capital Lending has helped business owners get funded — part of the $375 million+ we've arranged for our clients. From companies near our Loganville, Georgia office to owners across 46 states, we match your file to the right program. And as a veteran-owned business, we bring straight advice and real advocacy to every deal. Here's everything you need to know about our unsecured funding programs.
At a glance
| 5 or 7 Year Term Loans | Business Credit Card Program | |
|---|---|---|
| Rate | 9–15% (based on personal credit strength) | 0% interest for 6–12 months |
| Time in business | No minimum | No minimum |
| Upfront fees | None — no down payment | None |
| Collateral | None required | None required |
| Payments | Fixed monthly payment | — |
| Funding speed | 7–15 business days | — |
| Prepayment penalty | None | — |
| Other | Full loan amount available at funding | Stated income · Reports only to the business |
| Credit required | 680+ on all 3 bureaus | 700+ on all 3 bureaus |
| Documents | 2 years personal tax returns showing $50,000+ taxable income | Established business entity |
What is unsecured business funding, in plain terms?
Most business loans are "secured" — the lender holds your property, equipment, or other assets as a backstop. Unsecured funding skips that. Approval is based mainly on your personal credit and income, so you don't have to put your house, building, or equipment on the line to get capital.
We offer two unsecured programs, and many owners use both together:
- 5 or 7 year term loans — a lump sum with a fixed monthly payment.
- Business credit card program — revolving credit with 0% interest for 6–12 months.
How do the 5 or 7 year unsecured term loans work?
You receive the full loan amount at funding and repay it with a fixed monthly payment over 5 or 7 years. Highlights:
- Rates from 9–15%, depending on the strength of your personal credit
- No minimum time in business — startups welcome
- No upfront fees and no down payment
- No assets or collateral required
- Funding in 7–15 business days
- No prepayment penalty — pay it off early anytime
Requirements: 680+ personal credit scores on all 3 bureaus, and 2 years of personal tax returns showing $50,000 or more in taxable income.
How does the business credit card program work?
This program sets your business up with business credit cards that carry 0% interest for 6–12 months — giving you breathing room to invest in the business before interest kicks in. Highlights:
- 0% interest for 6–12 months
- No minimum time in business
- Stated income — no tax returns required
- No upfront fees
- Reports only to the business — helps build business credit without adding to your personal credit report balances
Requirements: 700+ personal credit scores on all 3 bureaus, and an established business entity (LLC, corporation, etc.).
Who is unsecured funding a good fit for?
Unsecured funding is built for owners with strong personal credit who need capital fast — without pledging collateral. It's a strong fit for:
- New businesses that can't yet qualify for bank or SBA loans because of time in business
- Owners who don't want to tie up real estate or equipment as collateral
- Businesses needing working capital for marketing, hiring, inventory, or expansion
- Entrepreneurs who want to build business credit separate from their personal credit
How does the process work?
It's three simple steps:
- Apply — a short application takes just a few minutes. Start here.
- Consult — Anthony or a member of our team reviews your credit and goals, and matches you to the right program (or both).
- Funded — term loans typically fund in 7–15 business days.
Why business owners choose Market Capital Lending
As both a direct lender and a brokerage with a network of 40–50 lenders, we're not limited to one bank's rulebook. We're a veteran-owned small business with 40+ years of combined experience and $375 million+ funded. You work directly with people who understand business financing and move fast. Learn more about MCL. (Rates, approval, and terms vary by credit, loan amount, and underwriting.)
Unsecured Term Loan vs. Business Line of Credit vs. Equipment Financing
An unsecured term loan fits a one-time need — a lump sum with a fixed payment and no collateral. A business line of credit fits recurring cash-flow gaps where you draw and repay as needed. Equipment financing uses the equipment itself as collateral and can reach larger amounts. If you're buying real estate or a business, SBA 7(a) loans or our small balance loan program may be a better fit.
Frequently asked questions
How much can I qualify for with unsecured funding?
Qualified business owners can access up to $500,000 through our unsecured programs. Your amount depends on your personal credit scores, income, and underwriting.
Do I need collateral?
No. Neither the term loan nor the business credit card program requires assets or collateral.
What credit score do I need?
Term loans require 680+ personal credit scores on all three bureaus. The business credit card program requires 700+ on all three bureaus.
How long do I need to be in business?
There's no minimum time in business for either program — new businesses can qualify.
How fast can I get funded?
Unsecured term loans typically fund in 7–15 business days after approval.
What are the rates?
Term loan rates range from 9–15%, depending on the strength of your personal credit. The business credit card program offers 0% interest for 6–12 months.
Are there upfront fees?
No. There are no upfront fees for either program, and no down payment on the term loans.
Can I pay off the term loan early?
Yes. There's no prepayment penalty.
Will the business credit cards show on my personal credit?
The cards report only to the business, so the balances don't appear on your personal credit reports.
What documents do I need?
For term loans: 2 years of personal tax returns showing $50,000+ in taxable income. For the credit card program: income is stated (no tax returns) and you'll need an established business entity.
Do you only serve Georgia?
No — we arrange financing in 46 states. Most clients are in Georgia, Alabama, and Florida, with a concentration in metro Atlanta and the Loganville area.
Up to $500,000 is the maximum available to qualified borrowers. Rates, approval, amounts, and terms vary by credit, income, and underwriting. 0% introductory periods are set by the card issuer; standard rates apply after the intro period.