Up to $300,000 in unsecured funding. No collateral. No industry restrictions.
Built for business owners who don't have collateral (or don't want to risk it), don't fit SBA requirements, and refuse to get gouged by merchant cash advances.
Pick the structure that fits how you spend.
Need one lump sum for a defined purpose? Term loan. Need flexible, revolving spending power? Business credit cards. Many clients use both.
Personal Term Loan (Cash Option)
One unsecured lump sum, fixed monthly payments, done. No collateral and no restrictions on how your business uses it.
- Rates starting at 7%
- 3–7 year terms, fully amortized
- No prepayment penalty — pay it off early, save the interest
- Funding in 7–14 business days
- Unsecured — based on a personal guarantee
Business Credit Cards
Revolving business credit at 0% intro interest — spend, repay, and spend again while your business credit profile grows.
- 0% interest for 6–18 months (credit-dependent)
- Reports to business credit only — never touches your personal report
- Revolving line — reuse as you repay
- Builds your business credit profile
Exactly what it takes to qualify.
We publish our criteria so you don't waste time applying for something that won't fit.
Term Loan Checklist
- 680+ FICO score — we pre-qualify with a soft pull that never affects your score
- 2 years of personal tax returns showing at least $40,000 in personal income (AGI)
- That's it — no collateral, no business financials, and no industry restrictions
Business Credit Card Checklist
- 720+ FICO score for the business card programs
- Business registered with the state and in good standing
- Approval amount and 0% window depend on the strength of your credit
What our clients fund.
Why business owners choose CSGF funding.
vs. Bank & SBA loans
SBA loans demand collateral, deep documentation, and months of waiting — and many owners simply don't meet the requirements. We fund qualified clients in 7 to 14 business days on two documents.
vs. Merchant cash advances
MCAs skim your daily sales at effective rates that can cripple a growing business. Our loans are fully amortized at rates starting at 7%, with fixed terms and no prepayment penalty.
vs. risking your assets
Our funding is unsecured. Your home, equipment, and savings are not pledged as collateral. Qualification is based on your personal credit profile and income — not what we can take.
The path to funding.
Check your options
Two minutes, self-reported, zero credit pull. See instantly whether the term loan, the cards, or both may fit your profile.
Free consultation
We confirm your fit with a soft credit pull (your score is untouched), review your two documents, and lay out your exact terms.
Funded in 7–14 days
Once documents are in, term loans typically fund within 7 to 14 business days. Then your money gets to work.
Funding questions, answered.
No. We pre-qualify with a soft credit pull, which never appears to other lenders and never affects your score. Our online pre-qualification check is even lighter — it is entirely self-reported, with no credit pull at all.
Almost anything business-related: start-ups, equipment, inventory, fix and flips, bridge loans, payroll, franchises, and expansion. There are no industry restrictions on the use of funds.
A 680+ FICO score and two years of personal tax returns showing at least $40,000 in adjusted gross income. The loan is unsecured — no collateral required — and is based on a personal guarantee.
A 720+ FICO score and a business registered with the state in good standing. The line reports to your business credit profile only, so it never appears on your personal credit report.
Term loans typically fund in 7 to 14 business days once your documents are in. That is dramatically faster than SBA timelines, without SBA paperwork.
MCAs take a cut of your daily sales at rates and fees far above ours. Our term loans are fully amortized with fixed 3-to-7-year terms, rates starting at 7%, and no prepayment penalty — real financing, not a payday loan for your business.
See what you qualify for — without touching your credit.
Two minutes online, or talk to a real person: 904-762-6057.
Pre-qualification is not a credit decision or a commitment to lend. Final terms depend on full underwriting. Corner Stone Group Financial is not a financial advisor.