Unsecured Business Loans in San Jose
No real estate, no equipment lien, capital based on revenue and credit.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
What it is and how it works in San Jose
Unsecured business loans give a San Jose owner capital without pledging real estate or equipment as collateral. The lender underwrites cash flow, time in business, and personal credit, and typically files a UCC-1 against general business assets and requires a personal guarantee, but does not take a specific asset lien. For service businesses without hard collateral, it's the cleanest way to access growth capital.
A term loan or revolving line not secured by a specific asset. The lender relies on cash flow, credit, and the personal guarantee of the owner instead of foreclosable collateral.
How Unsecured Loans works
- 1
Submit a one page application and three months of bank statements.
- 2
Soft credit pull and revenue review.
- 3
Term sheet within 24 hours.
- 4
Funding wired within 24-72 hours of contract.
- 5
Repayment via daily, weekly, or monthly ACH depending on product.
Benefits
Your property and equipment stay unencumbered.
Light underwriting means fast decisions.
Working capital, marketing, payroll, expansion, debt consolidation.
Successful payoff strengthens your business credit profile.
Qualification requirements
- 6+ months in business
- $10,000+ in monthly deposits
- Owner FICO of 600+
- Personal guarantee required
Documents typically required
- 3 months bank statements
- Driver's license
- Voided check
How San Jose businesses use Unsecured Loans
A Downtown San Jose marketing agency borrows $120K unsecured to hire two senior strategists ahead of a contract win.
A Sugar House law firm finances $80K of office build out without pledging the partners' real estate.
A Murray accounting firm pulls $60K unsecured to cover payroll during a tax season hiring expansion.
Many of California's fastest growing companies, including tech consultancies, professional services, and healthcare practices, don't own equipment or real estate. Unsecured loans are how those owners access growth capital without distorting their balance sheets.
