Unsecured
Unsecured Business Loan
Sans garantieSignature, cash-flow term loan for established businesses — no property or asset security required.
- Taux indicatif
- 10.9% – 17.5%*
- Montant
- $50K – $1M
- Durée
- jusqu’à 5 ans
*Fourchette de TAEG indicative. Sous réserve d’approbation. Ne constitue pas une offre de crédit.
- Montant
- $50,000 – $1,000,000
- TAEG indicatif*
- 10.9% – 17.5%
- Taux représentatif
- 12.9%
- Durée maximale
- 60 mois (5 ans)
*À titre indicatif. Sous réserve d’approbation de crédit.
10.9% – 17.5% · jusqu’à 5 ans · Commission de mise en place 1%
Calculer les remboursementsOur Unsecured Business Loan is a signature, cash-flow term loan for established businesses that want growth capital without pledging property, equipment or personal assets.
We underwrite on the strength of your revenue, margins and debt-service coverage — not on what you can put up as security. Facilities from USD 50,000 to USD 1,000,000 amortise monthly over up to five years.
Caractéristiques clés
- No collateral required
- Underwritten on cash flow and DSCR
- Decision in ~5 business days
Éligibilité
- 2+ years of trading history
- Annual revenue of at least USD 250,000
- Debt service coverage of at least 1.25x on historical cash flow
- Clean KYC/AML and beneficial-ownership disclosure
Utilisation des fonds
- Hiring and expansion
- Marketing and new contracts
- Inventory and equipment under USD 250K
- Refinancing costlier short-term debt
Engagements types
- Minimum DSCR 1.25x tested semi-annually
- Negative pledge — no new secured debt without consent
- Maximum Net Debt / EBITDA 3.0x
- Annual accounts within 120 days
Calendrier de tirage
Single drawdown at closing.
Term sheet indicatif
Conditions indicatives — Unsecured Business Loan
- Emprunteur
- [Operating Co.], a limited liability company
- Montant
- Up to USD 1,000,000
- Durée
- Up to 60 months
- Tarification
- Fixed 12.9% p.a. (indicative)
- Frais
- Arrangement 1.0%; no prepayment fee after month 6
- Sûretés
- Unsecured; negative pledge and financial covenants (DSCR ≥ 1.25x)
- Remboursement
- Equal monthly instalments of principal and interest
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