• Unsecured Business Loans

    In the rapidly evolving landscape of business, it's essential for modern entrepreneurs to access capital while maintaining flexibility. Camino Financial understands this dynamic and offers unsecured business loans. This means you get the capital infusion without tying up your business assets. It's a direct, no-nonsense approach to fueling your enterprise's growth.
    Two professionals reviewing finances on a laptop in a bright office lounge.
  • Camino Financial’s Unsecured Business Loans

    • Varied loan amounts

    • Fixed

      Interest rates

    • Repayment terms

  • Why Apply With Camino Financial

    We designed our unsecured business loans to inject capital into your business without the risk often associated with secured loans. This helps you capitalize on market opportunities, manage cash flow better, or address unexpected expenses. By opting for a small business loan with no collateral, you're not just getting funds; you're choosing to achieve your business goals without putting your valuable assets on the line. Our hassle-free process ensures you can focus on what matters most - your business.
  • Our Basic Business Loan Application Requirements

    Have an SSN

    Minimum credit score of 670

    Business in operation for a minimum of 12 months

    Annual sales above $30,000

    Current on outstanding credit obligations

    No filed tax liens, judgments, credit freezes, or bankruptcies in the past 24 months

    Must operate within permitted industries and states

  • Compare Financing Options

    Unsecured Business LoanSecured Business Loan
    Collateral RequiredNo. Does not require any collateral.Yes. Requires business or personal assets as collateral.
    Approval ProcessOften faster, with streamlined approval processes that enable quicker access to funds.Can be lengthy, due to the evaluation of collateral.
    Risk to BorrowerLower. There's no risk of losing physical assets, though failure to repay can still affect the credit score.Higher. Failure to repay can result in the loss of the collateral. Can also affect the credit score.
    Impact on Business OperationsLeaves assets free for other uses, offering greater operational agility.Can tie up valuable assets, potentially limiting operational flexibility.
    Ideal forBusinesses looking for quick, flexible funding without the want or ability to provide collateral.Businesses with significant assets and a need for larger loan amounts.
  • Benefits Of Choosing Camino Financial

    ● 100% online and transparent application process ● A commitment to data security and privacy ● Fixed and straightforward repayment terms ● No early prepayment penalty ● World-class bilingual customer service ● No hidden processing fees
    Two professionals warmly shaking hands in a meeting, signifying a successful funding partnership.
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  • Read What Our Customers Are Saying

    Join 9,000+ people choosing Camino Financial

  • The Benefits of Unsecured Loans

    Without the need for collateral, these loans eliminate the risk of losing valuable assets. This makes them an attractive choice for those who may not have a significant property to pledge or prefer not to tie up their assets.


    The approval process for unsecured loans is often quicker, thanks to streamlined procedures that can provide borrowers with fast access to needed funds. This speed and efficiency can be particularly beneficial for addressing immediate financial needs or capitalizing on timely opportunities.


    Moreover, unsecured loans are based on creditworthiness, rewarding well-managed finances with access to capital, thereby supporting responsible financial behavior.

  • Convenient loan management.

    Get a visual overview of loan status. Track payment history and request more capital through your personalized member account portal.
  • How To Apply For Business Financing

  • FAQs

    An unsecured small business loan is a type of loan that doesn’t require collateral, providing a straightforward way to access capital quickly.

    Unsecured business loans don’t have a collateral requirement, making the application process less risky for business owners.

    Unsecured loans offer speed and ease, ideal for businesses that prefer not to use assets as collateral. Secured business loans may have lower interest rates but require collateral, often requiring longer processing times.

    In the event of a default on an unsecured business loan, your credit score will likely be adversely affected. The lender will also invoke personal guarantees and UCC filings associated with the loan to recover the debt.

    Yes. As a BBB-accredited business with an A+ rating and an average of 4.2 stars across more than 400  reviews prove it.

    Camino Financial uses the same technology that banks use to protect your private information.

    • Have a Social Security Number (ITIN is not accepted).

    • Business must have been operational for at least 12 months.

    • A credit score of 670 or higher is required.

    • Specialty Trade Contractors with a FICO score of 650 or above.

    • Must have annual sales exceeding $30,000

    • Must be up-to-date on all existing credit responsibilities.

    • No record of tax liens, judgments, credit .freezes, or bankruptcies in the last 24 months

    • Not operating in prohibited sectors.

    • No businesses that have secured an HCD loan within the previous 90 days.

    • Not located in HI, NJ, PR, MI, NV, or the Caribbean Islands.

    No, you need to be a United States citizen with an SSN to qualify for a business loan through Camino Financial.

    No, we cater our business loans to businesses that have established credit history.

    No, we don’t require any type of collateral, only a UCC lien.

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  • Camino Financial does not extend small business loans to businesses operating within these industries: Transportation, Warehousing, Real estate, Financial investing or processing, Cannabis industries, Adult entertainment, Car dealerships, Credit unions, and other sectors Specialty Trade Contractors require a FICO score of 650 or above. No businesses that have secured an HCD loan within the previous 90 days. Not located in HI, MI, NV, NJ, PR, MA, NY, ND, OH, PA, or TN; plus IN, NE, or WV for Sole Props. A personal guarantee and/or a UCC filing may be required at closing.

  • Stay connected

    Join a community of over 40,000 micro-entrepreneurs for access to informative resources, helpful tips, and best practices on growing your business

  • Mission-driven company

    Camino Financial is a nationally certified Community Development Financial Institution (CDFI) with oversight by the U.S. Department of Treasury. By partnering with other mission-aligned organizations, Camino Financial is able to pool and distribute low-cost funding and educational resources to underbanked minority-owned businesses. Camino Financial is headquartered in Los Angeles, California with supporting offices in Mexico City, Mexico.

© 2024 by Camino Financial, Inc. All Rights Reserved. Camino Financial is a Licensed Finance Lender & Broker in California under its subsidiary Salas & Company LLC.
Camino Financial Better Business Bureau A+ accredited businessCloudflare
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11501 Sunset Hills Rd, Reston, VA 20190 | info@caminofinancial.com| Tel (800) 852-0655

NMLS License: Salas & Company LLC #2186459 | CFL License: Salas & Company LLC (DBA Camino Financial) #60DBO-43053

CDFI Certification Number: 181CE054231