inside of a hip, modern cafe

Get an unsecured business loan for collateral-free cash.

✔ Get up to $250,000
✔ 3 to 24 month terms
✔ No collateral needed
✔ All credit considered
✔ Cash provided in just days

An unsecured loan offers a number of benefits.

As you navigate your way through the Balboa Capital website and learn about the various business loan solutions we offer, it is important to know that they are unsecured. This type of loan has several key advantages over secured loans that are offered by banks. For starters, an unsecured business loan from Balboa Capital does not require any collateral. You won’t have to put up any personal or business assets, such as your home, automobile, or inventory. This takes the worry out of borrowing.

Another advantage of our unsecured business loan products is their quick turnaround. You can start by using our handy small business loan calculator to see what your estimated loan payments will be. After that, just complete our secure 100% online business loan application. It takes only a few minutes to complete. We will then review your information right away and contact you with a decision.

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The loan with no restrictions.

You can use your Balboa Capital unsecured loan for anything related to your business. There are absolutely no restrictions whatsoever. Use it to increase inventory, pay off high-interest debt, buy a piece of equipment, pay your bills, and much more. You can also use your loan to overcome an unexpected financial hurdle, such as a seasonal sales slump. What’s more, our unsecured loans are also referred to as short-term business loans. They are designed to be paid off faster, which can help improve your company’s Paydex score like never before.

Get an unsecured business loan in 3 easy steps.

Apply online

You can complete our simple loan application from your computer or mobile device. No need to leave your office or look for financial statements.

Get approved

Our automated process allows us to provide you with a decision right away. You won’t wait long to find out how much you might qualify for.

Receive funds

Once your loan application is approved, you will receive the funds in just a few days. You can put it to use right away with no restrictions whatsoever.

What you need to qualify.

It is almost always easier to qualify for an unsecured business loan from Balboa Capital than a traditional bank loan. Paperwork is minimal, all credit scores are considered and, as mentioned earlier, no collateral is needed. You will be a prime candidate if you have been in business for one year or more, and have at least $300,000 in annual revenue. Once you are approved, you will get your loan within a few days.

busy office filled with employees

Use your cash however you want.

Pay suppliers

Fill those big orders and pay for them on time.

Business expansion

Expand your company to accommodate growth.

Employee payroll

Your employees are invaluable. Pay them on time.

Marketing efforts

Launch a website, direct mail campaign, and more.


Stock up to meet demand and avoid losing sales.

Business taxes

Pay your taxes on time to avoid late fees.

Whitepaper: How technology is changing small business lending.

Download this free Balboa Capital whitepaper to learn how online technology is transforming the way small businesses acquire funding needed for growth. This whitepaper features an overview of the current online lending market, descriptions of popular alternative loan products, and much more.

technology lending whitepaper balboa capital
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Why choose Balboa Capital for an unsecured loan?

Countless business owners from coast to coast look to us for unsecured business loans. We believe this is due to our positive reputation that can be seen on the most popular customer review websites, and in many Balboa Capital reviews. Balboa Capital is fully accredited with the Better Business Bureau (BBB). We welcome the opportunity to provide you with short-term cash for your company.

Ready to get an unsecured business loan?