Unsecured personal capital with no collateral required.
For owners who want capital in their personal name — no business docs, no collateral. Underwritten on personal credit and income, funded via ACH in as little as 24–72 hours. Common uses: bridging into a business round, refinancing high-rate personal debt, or covering a large one-time expense.
Amount
Up to $150,000
APR
7.99% – 24%
Term
2 – 7 Years
Collateral
None
Funding Time
1 – 5 Days
Credit Min
680 FICO
01
Upload ID, proof of income, and signed credit authorization.
02
Soft-pull prequalification — no hit to your score.
03
Choose a term and rate from live offers.
04
eSign and receive funds via ACH.
Published research and industry data on how personal loan — up to $150,000 help U.S. businesses grow.
$232 Billion
Outstanding U.S. personal loan balances — the fastest-growing consumer credit category.
Source: TransUnion Consumer Credit Insights, 2024
24–72 Hours
Median time from application to funded on unsecured personal loans in the online lending market.
Source: Online lender disclosures
23M+ Americans
Currently hold at least one unsecured personal loan.
Source: TransUnion, 2024
The scenarios below are hypothetical illustrations of how this program is commonly used. They are not actual First Capital Funding client results.
Technology
Startup founder
$85k unsecured loan bridged a 6-month gap into a seed round without diluting equity.
Professional Services
Consultant, NYC
$60k consolidated three high-rate personal cards into one 5-year fixed payment.
Hypothetical examples for illustration only — not actual client outcomes. Individual results vary and no outcome is promised.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.