Unsecured Loans & Personal Loans

What Are Unsecured Loans? Unsecured loans are cash installment loans that do not require collateral. They're approved based on the client's credit profile and income.

As of September 2nd, we are doing a high volume of unsecured installment loans up to $50K in cash. These are fast, simple, and provide clients with immediate liquidity.

Personal Loans (Consumer Side)

Personal loans can also be an option for clients, but they usually come with stricter requirements.

Documentation

Often required: W2s, pay stubs, tax returns, or proof of income.

Interest Rates

Typically range from 8%–25% depending on credit profile.

Terms

Usually 2–7 years repayment.

Loan Amounts

$10K–$100K depending on client profile and lender.

How We Use Unsecured / Personal Loans

These loans are often used strategically as bridge funding or for debt consolidation.

Example:

Starting Point

Client has a 630 credit score because they are using $40K/$50K of their credit card limits (high utilization).

The Solution

We secure a $40K unsecured loan → pay off the credit cards.

Score Boost

The client's score jumps (lower utilization, higher creditworthiness).

Final Step

With a boosted score, we then secure $100K–$200K in 0% business credit.

Result:

  • High-interest debt paid off.
  • Credit score boosted.
  • $100K–$200K in fresh 0% funding secured.

This play not only cleans up their credit, but it also sets them up for long-term funding.

Positioning for Clients

These loans are best for clients who:

  • Don't immediately qualify for business credit.
  • Need to consolidate high-interest debt.
  • Need a short-term cash solution before moving into larger funding options.

Action Step:

👉 Post in the community: If you had $50K in unsecured cash funding, would you use it to pay off debt, invest in business growth, or both?