Unsecured Working Capital Loans
Explore working capital for payroll, inventory, marketing and other business needs. Consider how the funding fits the expenses and opportunities ahead.
Unsecured Working Capital Loan
At Crestmont Capital, we understand that one of the biggest challenges small businesses face is accessing the capital they need to thrive and grow. That’s why our working capital programs are designed to provide businesses with the funds they need, on terms that support their success.
We offer unsecured loans of up to $500,000 with minimal documentation requirements, and funds can be deposited into your account in as little as 24 hours. Because these loans are unsecured, no collateral is required, making the process simple and stress-free.
Apply for a working capital loan or line of credit today and take the next step in growing your business. Once you apply, we handle the rest, allowing you to focus on what you do best—running your business!
Advantages of a Working Capital Loan
- $10,000 to $500,000 With Limited Documents Required
- Up To 2 Million With a Full Financial Package
- No Collateral Required
- Flexible Terms
- No Restrictions on the Use of Funds
- 100% Tax-Deductible
Common Uses of a Working Capital Loan
- Expansion
- Marketing
- Project Bridge Financing
- Payroll
- Inventory
- Taxes
Compare ways to fund operating needs
Working capital describes what the funds support. A loan and a line of credit describe different ways to access and repay them.
Working-capital loan
A loan provides a set amount for an identified need. Plan how that amount will cover the cash-flow gap and how scheduled payments will fit alongside operating expenses.
Compare the amount you receive, total repayment and payment frequency in the offer.
Line of credit
A line of credit offers access within a borrowing limit. Compare it when operating expenses arise at different times and repeat access matters.
Review draw rules, fees and repayment conditions. Our unsecured line of credit page covers that separate structure.
Prepare your cash-flow plan
List the expenses you need to cover and when you expect cash to arrive. Compare the proposed payments with that schedule, including a slower-sales scenario.
Prepare a short explanation of the use of funds, current revenue and expenses, and existing borrowing. These are useful discussion points; your provider will confirm the documents required for its program.
Questions about unsecured working capital
Does unsecured mean there is no personal guarantee?
Unsecured describes collateral. A personal guarantee is a separate repayment obligation, so check the written agreement for any guarantee requirements before accepting an offer.
How should I choose the amount to request?
Start with the identified cash-flow gap and expected receipts. Compare the proposed repayment with your operating budget rather than choosing an amount only because it is available.
What should I ask before accepting funding?
Ask about the amount received, fees, payment frequency, total repayment, early-payment conditions and any personal obligations in the agreement.
What cash is needed upfront for unsecured working capital funding?
Ask for a written breakdown of contributions, deposits, first payments, fees and expenses outside the agreement. Preserve cash for implementation and ordinary operations; the required amount depends on the product and final terms.
Will financing for unsecured working capital require collateral or an owner guarantee?
Ask which assets secure the agreement and whether an owner guarantee is required. These are different obligations. Review their scope and any existing liens in the final documents rather than relying only on a secured or unsecured label.
Can business cash or supplier terms be combined with unsecured working capital funding?
Show every funding source and supplier payment date in one budget. Avoid counting an expense twice, preserve operating cash and confirm any contribution, permitted-use or additional-borrowing restrictions with the provider.
How do existing debts affect a request for unsecured working capital?
Provide current balances, payment schedules and any liens or guarantees. A provider may assess the combined repayment burden. Compare the new payment with existing debt and normal operating costs before deciding whether the offer fits.
When should I apply before committing to unsecured working capital?
Work backward from supplier or project deadlines and allow for document review, final approval, funding conditions and bank processing. Confirm the expected timeline before signing a purchase or delivery commitment.
How should a slower cash-flow scenario be assessed for unsecured working capital?
Forecast lower receipts, delayed implementation and changed costs alongside the proposed payment and existing obligations. Identify how payments would be met while the plan develops and consider reducing or phasing the scope if cash reserves would be strained.
What documents should support a funding request for unsecured working capital?
Prepare business and ownership details, recent financial and bank records, existing obligations and a complete use-of-funds budget. Include supplier quotes, contracts, invoices or project schedules when relevant, and confirm final requirements with the provider.
Compare financing for your day-to-day operations.
Tell us what your business needs and review available structures with a financing specialist.