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Fix & Flippers Private real estate capital
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Unsecured capital

Unsecured business loans for the gap a property loan won’t cover.

Working capital without putting real estate up as collateral. Use it for down payments, rehab overruns, marketing or payroll while a deal comes together.

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No collateral required·Fast decisions·No upfront fees

Loan options

  • Unsecured term loans: a lump sum repaid on a fixed schedule.
  • Business lines of credit: draw what you need and pay interest only on what you use.
  • Working capital: short-term funding to cover cash flow between deals.

Common uses for investors

  • Covering part of a down payment or closing costs
  • Funding rehab overruns or holding costs
  • Marketing, staffing and operating expenses
  • Bridging the time between a sale and the next purchase

What lenders look at

Requirements vary by lender. Most review time in business, monthly revenue and credit history. Send what you have and we’ll tell you which programs fit.

How it works

  1. Submit your scenario. A broker reviews it within one business day.
  2. We match you with lenders whose programs fit.
  3. You compare offers and choose one.
  4. Funds are released once you sign.

Who unsecured loans are for

  • Investors who need cash for down payments or closing costs alongside a hard money loan
  • Flippers covering rehab overruns between draws
  • Real estate businesses funding marketing, staff and operations
  • Owners who want capital without adding a lien to a property

Unsecured vs. secured financing

Secured loans such as hard money, DSCR and commercial loans cost less because a property backs the debt. Unsecured loans cost more and run shorter, but they are faster, flexible and keep your properties free of extra liens. Most investors use them to complement property loans, not replace them.

Unsecured Loans guides

GuideHow Real Estate Investors Use Unsecured Business LoansDown payments, overruns and holding costs.GuideBusiness Line of Credit vs. Term LoanWhich unsecured product fits your need.GuideHow to Qualify for an Unsecured Business LoanRevenue, time in business and credit.

Frequently asked questions

What is an unsecured business loan?

An unsecured business loan is financing that does not require real estate or other specific assets as collateral. Lenders base approval on the business’s revenue, time in business and credit history.

Can real estate investors use unsecured loans?

Yes. Investors often use unsecured capital for down payments, closing costs, rehab overruns, holding costs and marketing, alongside a hard money or bridge loan on the property.

How fast can I get an unsecured business loan?

Decisions on unsecured programs are often faster than property loans because there is no appraisal. Funding timelines depend on the lender and how quickly documents are provided.

What do lenders look for?

Most lenders review time in business, monthly revenue, existing debt and personal and business credit. Requirements vary by program, so we match your profile to lenders whose guidelines fit.

Is a personal guarantee required?

Many unsecured business loans require a personal guarantee from the owner even though no property is pledged. Your lender will explain the terms before you sign.

Start your unsecured loan request

Fix & flipFix and flip loansPurchase and rehab capital for investorsLong-termDSCR & rental loansQualify on the property’s rentCommercialCommercial real estate loansMultifamily, office, retail and industrialInvestorsTrust deed investingReal estate debt secured by property

Terms, amounts and timelines vary by lender and borrower qualifications. Not a commitment to lend.