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.

By pairing unsecured loans with business credit, you can create a funding roadmap that solves today's problems and builds future opportunities.
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?