Unsecured Business Loan With No Personal Guarantee: What It Really Means

If you are searching for an unsecured business loan with no personal guarantee, you are usually trying to accomplish two things at the same time:

• Avoid pledging business collateral (unsecured, meaning no liens or blanket UCC filing).
• Avoid signing a personal guarantee (no PG, meaning you are not personally on the hook if the business cannot repay).

Those goals are common, but they are also easy to mix up because many lenders advertise “unsecured” even when they still require a personal guarantee or a UCC filing.

This guide breaks down the difference and explains how Noble Funding structures fast, lower to middle-market capital that can be fully unsecured, and in some situations, no personal guarantee options may be available.

Why Companies Search for “Unsecured Business Loan No Personal Guarantee”

• You want to preserve collateral for your bank or senior secured lender.
• You want to avoid disrupting existing lending relationships.
• You want speed, especially when opportunity or urgency does not wait.

Noble Funding is built for these situations, including cases where timing is critical and traditional lenders move too slowly.

How Noble Funding Structures Unsecured, No-UCC Junior Capital

Noble Funding specializes in junior capital and bridge lending for companies that need situational working capital quickly, often alongside a bank, SBA lender, or asset-based lender.

Key structural features

• Junior debt can be contractually subordinated to an existing senior secured lender.
• In many cases, funding can be fully unsecured with no blanket UCC filing on corporate assets.
• Terms are commonly 12, 15, or 18 months and structured around cash flow.
• Early payoff discounts are typically available, including discounts that can apply early in the term (often the first six months) depending on structure.

This is why many borrowers who search “bridge loan,” “quick bridge loan,” or “short-term bridge loan” end up in a junior-capital solution that fits the same need.

Funding Amounts and Speed

Who This Is For

Noble Funding focuses on middle-market borrowers and complex real-world situations:

• Annual revenue: typically $5 million to $150 million
• Profitability: companies can be positive or negative EBITDA
• Existing lenders: many borrowers already have a senior secured lender and need additional junior capital beyond what the primary lender will provide

Noble Funding also emphasizes a long track record, including celebrating its 20-year anniversary (2005–2025) and has funded over $1 billion.

Common Uses for Unsecured, No-PG Focused Working Capital

• Filling purchase orders
• Bulk inventory purchases
• Hiring and payroll
• Equipment and capital expenditures
• Paying down vendor payables
• General working capital

What to Expect in the Process

1. Call or submit the online form
2. Receive a formal offer
3. Accept the offer and receive funds within 24 hours

Noble Funding does not charge upfront fees or application fees for consulting, underwriting, and placement services.

Why Borrowers Choose Noble Funding

• A+ rating with the BBB, and the company notes zero lifetime complaints
• Over $1,000,000,000 funded since 2005
• Middle-market focus with junior capital that can be subordinated and, in many cases, fully unsecured with no UCC filing

FAQs

Is “unsecured” the same as “no personal guarantee”?

No. “Unsecured” refers to collateral and UCC filings. “No personal guarantee” refers to whether an owner must personally guarantee repayment.
Some loans are unsecured but still require a PG. Others have no PG and still require a UCC filing.

Can Noble Funding do unsecured loans without a UCC filing?

Yes. Noble Funding states its unsecured business loans can be structured with no liens or UCC filings, and its bridge/junior capital can also be structured with no blanket UCC filing in many cases.

How fast can funding happen?

Noble Funding’s unsecured program notes funding as fast as the next business day and up to $10,000,000 within 3–5 business days.

What term lengths are typical?

Bridge and junior capital structures are often 12, 15, or 18 months, and some bridge structures can run to 24 months.