Unsecured Business Loans in Aurora, CO
Unsecured business loans don't require you to pledge specific collateral — no real estate lien, no equipment security, no receivables assignment. For growing Aurora businesses without a lot of unpledged assets, unsecured funding is often the only realistic option.
Marquette Capital Group underwrites unsecured business loans from $10K to $500K, typically as term loans (6–36 months) or unsecured lines of credit. We qualify borrowers on cash flow, time-in-business and personal credit rather than on the asset side.
"Unsecured" doesn't mean no personal guaranty. Almost every commercial loan under $5M in the U.S. carries a personal guaranty from 20%+ owners. What it does mean is that a default doesn't trigger the seizure of a specific asset — the lender's remedy is a general judgment, which is a slower and less certain path.
- Service businesses with few tangible assets
- Owners who don't want to pledge real estate
- Fast growth capital where speed matters
- Consolidating multiple unsecured obligations
- Marketing and hiring initiatives
- 1+ year in business (some programs 6 months)
- $120K+ annual revenue
- Personal FICO 620+
- 3 months business bank statements
- Personal guaranty from 20%+ owners
From intake to funded in four steps.
“Unsecured pricing sits above secured paper. If you own commercial real estate or valuable equipment free and clear, an asset-based loan will almost always be cheaper. We'll quote both.”
Questions Aurora operators actually ask.
How much can I borrow unsecured?+
$10K–$500K for most Aurora businesses. Occasionally $1M+ for strong files with high revenue.
Is a personal guaranty always required?+
Yes on commercial paper under $5M. That's industry standard, not a Marquette-specific policy.
What credit score is required?+
620+ is the practical floor for unsecured. 680+ opens up the best pricing.
Are unsecured loans faster?+
Usually yes — no collateral appraisal or lien perfection to work through. 1–5 business days is normal.
Can startups get unsecured loans?+
Rarely under 6 months in business. Between 6–12 months, revenue-based and short-term products are the primary options.
Talk to Aurora about unsecured business loans.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.