Unsecured Term Loans

Unsecured term loans, funded on your credit instead of your business history

One lump sum from $50K to $500K with a fixed monthly payment. No collateral, no revenue requirement and no time-in-business minimum, so a company that opened last month is on the same footing as one that opened ten years ago.

Check what I qualify for Talk to a specialist

Amount: $50K to $500K
Collateral: None
Credit: 680+ personal
Payments: Fixed monthly

How it works in practice

The full amount lands in your account in one disbursement.
Approval rests on the owner's personal credit profile, so startups qualify.
One fixed monthly payment that never moves.
No restrictions on use: inventory, payroll, equipment, a launch or an acquisition.
Pre-qualifying is a soft pull. A hard inquiry happens only after you accept an offer.

What you will typically need

Government-issued ID
Recent personal tax returns
A current credit report (we walk you through pulling one)

Rates, terms, amounts and eligibility are set by the lender, not by Nivira Capital. Your specialist confirms the specifics for your file before anything is signed.

Questions

Term loans questions, straight answers

Yes. Approval is based on the owner's personal credit profile, not the business, so there is no revenue requirement and no time-in-business minimum.

680 or higher personal credit is the benchmark. If you are just under, a co-signer with 680+ can help. If credit is further off, we will tell you and can point you to credit repair first.

No. These loans are unsecured, so nothing is pledged against them.

Anything that moves the business forward. Inventory, payroll, equipment, marketing, a launch or an acquisition are all common.

Other Options

Compare before you commit

Business Line of CreditDraw as you need it. No collateral. SBA LoansLowest rates and longest terms, for strong files. Merchant Cash AdvanceApproved on revenue, not credit. Home Equity Line of CreditLow rates, secured by home equity.