Unsecured Term Loans — $50K–$500K in 3–10 Days

An unsecured term loan is business-purpose cash with a payment you can calendar. Amounts run $50,000–$500,000. Terms are 3, 5, or 7 years. Complete files often fund in 3–10 business days. There is no property or equipment pledged as collateral. Pricing is quoted per file in an approximate 6%–18% band — a different product from Jaken Finance Group hard money (8.99%–13.5%), DSCR rental loans (5.75%–10.5%), and equipment financing (6%–14%).

In one sentence: borrow a lump sum, repay a fixed monthly installment, keep your real estate and equipment free of this lien, and use the money for a documented business purpose.

Jaken Finance Group originates property loans. Unsecured pre-qualification runs through Preferred Funding Group. You can use both: we finance the building; they may finance the cash you still need to close, hire, buy out a partner, or stop a merchant cash advance from draining the operating account.

Pre-qualify for an unsecured term loan →

Program terms

Parameter	This program
Amount	$50,000–$500,000
Term	3, 5, or 7 years (fully amortizing)
Collateral	None — unsecured
Rate (illustration band)	Approx. 6%–18%, quoted per file
Funding speed	3–10 business days on a complete file
Use of funds	Business-purpose only
Funder	Preferred Funding Group (referral)
What Jaken Finance Group originates	Hard money, bridge, DSCR, construction on investment property

This is not a consumer personal loan. The CFPB Ability-to-Repay rules describe owner-occupied mortgage credit. This facility is underwritten as business-purpose capital. If the money is for a house you live in, this is the wrong product.

Model the payment before you apply

The calculator below amortizes a 3-, 5-, or 7-year loan inside the published amount box. Open the merchant cash advance fields if you are replacing daily or weekly ACH. Switch presets for working capital, an MCA refinance, a restaurant buildout, a partner buyout, or a CRE down payment.

Need a tool-only page? Use the unsecured term loan calculator. Real estate equity math still lives on the DSCR calculator and second-position DSCR calculator.

Why operators finance instead of waiting on cash

Cash in a business is not idle. It is payroll, inventory, deposits, and the next contract. Waiting six months to “save the gap” has a cost that never shows up as an interest rate: lost locations, stacked merchant cash advances, partners who will not wait, and real estate contracts that expire while you raid the operating account.

Financing a defined business need can create upside in five concrete ways:

1. Cash-flow stability. A merchant cash advance often takes a daily or weekly cut of receipts until a factor is repaid. An amortizing term loan converts that into one known monthly number. If receipts dip in a slow month, you are not watching a larger percentage of a smaller pie leave the account. Model that swap in the calculator’s MCA compare table.
2. Speed versus SBA. SBA 7(a) can be the cheaper long-term stack for a restaurant purchase or a partner buyout, but files commonly take 45–90 days. Unsecured term money in 3–10 business days can hold a deal, fund a buildout, or buy a partner while you still pursue 7(a) as a later refinance — the same “close now, take out later” idea as bridge now, SBA later, except this layer is unsecured rather than a mortgage on the building.
3. Collateral stays free. Hard money and DSCR put a lien on real estate. Equipment loans put a UCC filing on the machine. Unsecured capital leaves those assets available for the property or equipment loan that actually needs them. That matters when you still need 90% LTC on a flip or a DSCR first on a rental.
4. You keep the cheap first mortgage. Pulling cash by refinancing a 3%–5% rental first into today’s DSCR band is often the expensive path. A second-position DSCR cash-out is the property-side answer when rent covers both loans. Unsecured capital is the answer when the need is personal business cash — a down payment, a buyout, or MCA payoff — and you do not want another lien on the building.
5. Growth that pays for the payment. A $175,000 kitchen and dining-room refresh that lifts weekly covers, a $250,000 partner buyout that ends a deadlock, or a $100,000 equity check that lets you close a cash-flowing duplex all have an expected return. If that return exceeds the after-tax cost of a 5-year amortizing note, the loan is a tool, not a leak. If it does not, do not take it. The calculator’s total-interest line is there so you can do that homework in dollars, not slogans.

Financing is not free. Approximate 6%–18% on unsecured paper is more expensive than a well-structured SBA 7(a) and usually cheaper — and far more predictable — than stacked merchant cash advances. The upside is optionality: you buy time, you buy a payment you can underwrite, and you keep collateral available for the loan that should sit on the asset.

Where this capital is used

Situation	Start here
Replace daily/weekly MCA drafts	Refinance a merchant cash advance
Buy a company or a partner’s shares	Acquisition and partner buyout loans
Restaurant payroll, buildout, or equipment gap	Unsecured loans for restaurants
New company, no business returns yet	Unsecured loans for startups
State-legal cannabis operations (not the building)	Unsecured loans for cannabis businesses
Serial-numbered machine vs mixed invoices	Unsecured vs equipment financing
Cross-border operator or foreign-national rental equity	Unsecured loans for cross-border operators
Personal equity on a flip, bridge, or DSCR purchase	Real estate down payment funding
DSCR rental equity check + cash-flow test	DSCR down payment funding
Flip equity or rehab-draw advance	Fix-and-flip down payment funding
20–35% commercial equity slice	Commercial property down payment funding
STR furniture / mixed FF&E	Airbnb furniture financing
Machine or truck with a vendor invoice	Equipment financing (secured, 6%–14%)
Lien on a rental you already own	Second-position DSCR or DSCR cash-out

Cannabis property is a different product: cannabis property bridge loans. Do not mix plant inventory into a real estate file. Cross-border property loans remain foreign national DSCR and ITIN DSCR; the unsecured note has no published citizenship rule.

How the payment is built

A 5-year amortizing loan of $150,000 at an illustrative 12% is about $3,337 per month. Over 60 payments you repay about $200,200, of which about $50,200 is interest — roughly 33% of principal. Stretch the same amount to 7 years and the monthly payment falls while total interest rises. Shorten to 3 years and the payment jumps while you pay less interest if you hold the loan to maturity.

That trade-off is the whole product. Operators who need breathing room pick 7 years. Operators who can service a larger payment and want the debt gone pick 3. Five years is the default in the calculator because it sits in the middle.

Change the rate. At 8% the same $150,000 over 5 years is about $3,041 a month. At 16% it is about $3,649. The illustration band is wide because unsecured pricing is credit- and file-driven. Treat the slider as a stress test, not a quote.

Unsecured term loan vs the other stacks on this site

Product	Collateral	Typical use	Rate context	Speed
Unsecured term loan	None	Working capital, MCA payoff, buyouts, CRE equity gap	Approx. 6%–18%	3–10 days
Hard money / fix and flip	The property	Purchase + rehab	8.99%–13.5%	7–10 days
DSCR rental	The rental	30-year hold	5.75%–10.5%	14 days
Second-position DSCR	Second lien on the rental	Cash-out behind a cheap first	Quoted per file	14 days
Equipment loan	The equipment	Vendor invoice for a machine or truck	6%–14%	Varies
SBA 7(a)	Often a blanket on business assets / RE	Acquisition, restaurant, owner-occupied CRE	Prime plus a capped markup	45–90 days
Merchant cash advance	Future receipts	Fast cash against card/ACH volume	Factor (often 1.2–1.5), not an APR quote	Days

Pick the stack that matches the asset and the clock. Do not put unsecured pricing on a flip that should be hard money. Do not put a daily MCA on a partner buyout that will still be on the books in 36 months.

The Federal Trade Commission has published staff notes on small-business financing, including merchant cash advances repaid on a factor with daily drafts. Read that before you stack a third MCA. Then run the compare table on this page with remaining balance, not the original fund amount.

Worked example: $100,000 CRE equity gap

A $480,000 Indianapolis duplex on a DSCR loan at 75% LTV needs $120,000 down plus closing. The investor has $20,000 liquid after earnest money. A $100,000 unsecured term loan at an illustrative 11% over 5 years is about $2,174 a month.

If the duplex’s rent covers the DSCR PITIA with room, the question is whether personal cash flow — W-2, other rentals, or business draws — can carry $2,174 in addition to the property loan. Unsecured debt does not show up in DSCR. It shows up in your budget. That is why the down payment funding page exists as a real-estate-specific walkthrough of this same capital.

Click CRE down payment on the calculator to load this shape of file.

Worked example: stopping an MCA bleed

A contractor took $120,000 on a 1.42 factor. Total repay is $170,400. If that drafts over 8 months, the implied monthly outflow is about $21,300. Replacing the remaining balance with a 5-year term loan at an illustrative 13.5% drops the monthly number into the low $2,000s and converts a short, expensive obligation into an amortizing note. The MCA refinance page walks remaining-balance math so you do not refinance a loan that is already almost paid.

What the application actually asks

Expect personal tax returns for the last two years, a FICO 8 report, identity, entity information, and a use-of-funds statement. Property address is not required the way it is on a fix-and-flip submission. Approval is personal underwriting — credit, income, and program guidelines — not ARV and LTC.

There is no published FICO floor here. Stronger credit and cleaner returns improve odds and pricing. Thin or recently damaged credit is a conversation, not a slogan.

Risks worth taking seriously

• You are the collateral. Miss payments and the recovery path is against you and any guarantors, not a foreclosure on a rental.
• Two payments. If you also carry hard money or DSCR, model both. A deal that cash-flows the property loan but not the personal note is a strained file.
• Rate is not a website number. The 6%–18% band is an illustration. Your quote can sit anywhere in that range, or the file can decline.
• Business-purpose only. Using this for a primary residence, a vacation home you occupy, or consumer debt is the wrong use and the wrong disclosure.
• SBA may still be cheaper if you can wait. Price patience against the deal you would lose.

How to apply

1. Run the calculator until amount, term, and payment fit the operating statement.
2. If an MCA is in the stack, enter remaining balance and factor — not the original advertisement.
3. Submit the unsecured financing form.
4. If a building is part of the plan, pick a property-loan scenario with Jaken Finance Group in parallel.

Pre-qualify for an unsecured term loan · Schedule a call · (833) 264-7776

Sources

• SBA — loan programs
• FTC — small business financing staff perspective
• CFPB — Ability-to-Repay and Qualified Mortgage standards

Rates and terms are quoted by the referral partner per file and can change. Calculator outputs are educational estimates, not a loan offer. Jaken Finance Group originates non-owner-occupied investment property loans. Unsecured term-loan pre-qualification is offered through Preferred Funding Group and is separate from Jaken Finance Group property-loan origination.