{"id":22039,"date":"2025-11-01T22:17:28","date_gmt":"2025-11-01T22:17:28","guid":{"rendered":"https:\/\/incredipros.com\/?p=22039"},"modified":"2025-11-01T22:17:28","modified_gmt":"2025-11-01T22:17:28","slug":"how-to-manage-unsecured-business-loans-as-a-small-business","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22039","title":{"rendered":"How to Manage Unsecured Business Loans As A Small Business"},"content":{"rendered":"<div>\n<div id=\"block_e86e4f490c512793d82a3f6b5b28dbc4\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Unsecured business loans don\u2019t require you to back the loan with valuable assets\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Making on-time payments and building payments into your budget can help you effectively manage the unsecured business loan\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            If you\u2019re struggling to make repayments, talk to your lender and consider refinancing to help you meet your obligations\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Unsecured business loans provide a critical form of funding for small businesses. In 2024, businesses relied on $261 billion in unsecured loans globally. That figure is expected to grow to more than $682 billion by 2034.<\/p>\n<p>This type of funding is valuable because it can be used to cover everything from bills to the cost associated with increasing staff or growing your operations. Because they do not require any form of collateral, unsecured loans can also be more costly than some other types of borrowing.<\/p>\n<p>To prepare for the cost of an unsecured business loan, it\u2019s important to manage the unsecured business loan effectively to avoid any negative consequences from borrowing.<\/p>\n<h2 id=\"lender\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"1. Choose the right lender for your situation\" data-outcome=\"\">1. Choose the right lender for your situation<\/h2>\n<p>First, consider \u00a0different types of lenders and loans to find the right loan for your business, including loans from the government, as well as traditional banks, credit unions and online lenders. What to consider with each type of lender:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Government-backed SBA loans: <\/strong>Loans backed by the government are available to help small business owners get access to funding who wouldn\u2019t otherwise qualify for it. SBA loans often come with low interest rates and long repayment terms, making them an attractive option.<\/li>\n<li>\n<strong>Traditional banks and credit unions: <\/strong>Traditional banks and credit unions offer the widest variety of business loans to help you find the right type for your buusiness. They tend to offer competitive interest rates, though you typically need strong credit and finances to qualify.<\/li>\n<li>\n<strong>Online lenders: <\/strong>Online lenders typically provide a fast application and an equally quick funding process. Once a loan is approved, you may receive the cash in as little as 24 hours, which can be helpful when expected business expenses arise. The repayment terms offered by online lenders can also be more flexible, which is an important consideration when you\u2019re looking for a loan to fit your unique needs and business budget.<\/li>\n<\/ul>\n<h2 id=\"credit\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"2. Check your credit\" data-outcome=\"\">2. Check your credit<\/h2>\n<p>Before applying for any loan, check your personal and business credit score. See if there are any errors on the report that you can get removed or if there is anything you can do to give your score a quick boost, like paying off small debts. Boosting your credit score \u00a0can help you secure a lower cost for your loans.<\/p>\n<p>You should also monitor your credit score as you are paying off your unsecured business loan to make sure you are quickly correcting any issues that arise and avoiding errors that could damage your score.<\/p>\n<p>Knowing your credit score ahead of time will also help you understand which loans you qualify for. Lenders often post their minimum credit requirements online, so there\u2019s no need to waste time applying for lenders that won\u2019t accept your business. If your credit is fair, you may want to call your preferred lender to see if it will accept your credit level.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    How do you get a business credit score?\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Establishing a business credit score takes time. To get started apply for an Employer Identification Number (EIN) from the IRS to separate your personal credit from your business credit. Opening a business bank account and a business credit card can also help build your credit profile, including establishing a track record of responsible debt payment.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"agreement\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"3. Read your loan agreement\" data-outcome=\"\">3. Read your loan agreement<\/h2>\n<p>Before you sign any legal document, it\u2019s important to make sure that you read it carefully and fully understand it.<\/p>\n<p>Your <u>loan agreement<\/u> will outline how your loan works. You\u2019ll see sections that show how interest is calculated when your payments are due and any <u>loan fees<\/u>. It also describes what happens if you miss a payment or have other problems with the loan.<\/p>\n<p>Some common areas to look for in the agreement are:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"Table Table--stripedOdd Table--spacing1 align-middle wrapped\">\n<tbody>\n<tr>\n<td>\n<p><strong>Terms and conditions<\/strong><\/p>\n<\/td>\n<td>\n<p>The basic details of the loan include the amount, the term, the interest rate, and any fees, such as origination or early repayment fees.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>Penalties for nonpayment<\/strong><\/p>\n<\/td>\n<td>\n<p>This outlines the fees and penalties you\u2019ll deal with if you miss payments. It may also indicate the loan\u2019s grace period if there is one.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>Acceleration clause<\/strong><\/p>\n<\/td>\n<td>\n<p>This clause describes how the lender can demand immediate payment of the loan\u2019s full balance if you default on the loan.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"budget\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"4. Build payments into your budget\" data-outcome=\"\">4. Build payments into your budget<\/h2>\n<p>A business budget is essential to helping you manage your unsecured business loan. .Your budget should describe how much money the company makes, how much it spends, where the income comes from and where it goes.\u00a0<\/p>\n<p>Make sure that your business loan payments are added to \u00a0your business budget as an expense. Adding it to your budget ensures that you prioritize making repayments and fit the repayments into your forecasts of income and expenses.\u00a0<\/p>\n<p>You\u2019ll also want to update your budget monthly or weekly and provide accurate forecasting for future revenue. Then, you can make adjustments to your budget to ensure you have enough money to cover all your debt repayments.<\/p>\n<p>Each business will budget in different ways; some popular budgeting strategies include:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<tbody>\n<tr>\n<td><strong>Master budget<\/strong><\/td>\n<td>This is a single master financial document that contains all of the company\u2019s financial information, usually for a full year. It may have various lower-level budgets focusing on specific things, like labor or sales.<\/td>\n<\/tr>\n<tr>\n<td><strong>Operating budget<\/strong><\/td>\n<td>This is a basic method of budgeting that looks at a company\u2019s revenue and expenses over a period of time.<\/td>\n<\/tr>\n<tr>\n<td><strong>Cash budget<\/strong><\/td>\n<td>A cash budget looks at a business\u2019s cash inflows and outflows over a set period, such as weekly, monthly or quarterly.<\/td>\n<\/tr>\n<tr>\n<td><strong>Zero-based budget<\/strong><\/td>\n<td>Zero-based budgeting sets the budget for every spending category at $0 at the beginning of each period. You then must justify the spending each period. This is a useful method for making sure your company uses funds as effectively as possible, but takes effort.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"pay\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"5. Pay your bills on-time\" data-outcome=\"\">5. Pay your bills on-time<\/h2>\n<p>Paying your bill on time avoids additional penalty fees and damage to your credit.<\/p>\n<p>Given the importance of timely payments, consider setting up automatic loan payments whenever possible or creating reminders about upcoming due dates. Automated payments ensure that your loan payments and other bills for your business are paid on time each month through recurring transfers. \u00a0You can set up autopay \u00a0through either your bank using a bill payment feature or \u00a0the lender may \u00a0allow you to set up autopay.<\/p>\n<h2 id=\"minimum\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"6. Pay more than the minimum \u2013 if it makes sense\" data-outcome=\"\">6. Pay more than the minimum \u2013 if it makes sense<\/h2>\n<p>Paying more than the minimum can be a good idea for some companies. Larger payments mean you\u2019ll pay the loan off sooner than expected and get out of debt sooner. It will also reduce the amount of interest that accrues, saving you money.<\/p>\n<p>There are cases where it isn\u2019t a good idea, however:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>If your loan has a prepayment penalty<\/strong>: Check to ensure your loan doesn\u2019t have a <u>prepayment penalty<\/u>. If the lender charges it, you\u2019ll pay a fee if you repay your loan early. Consider if you\u2019ll save enough in interest payments to cover the cost of the prepayment fee.<\/li>\n<li>\n<strong>If your loan has a factor rate<\/strong>: If your loan has a factor rate applied instead of an interest rate, paying the loan off early won\u2019t actually save you any money. A factor rate is applied to the initial balance, and early repayment won\u2019t reduce the fee.<\/li>\n<li>\n<strong>If it would negatively affect cash flow<\/strong>: If you put too much money toward loan payments, you might not have enough to cover other expenses. You\u2019ll also want to consider opportunity cost. You might be able to use your extra cash more effectively, generating business growth that leads to more profits than the money you\u2019d save by making extra loan payments.<\/li>\n<\/ul>\n<h2 id=\"debt\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"7. Avoid having too much debt\" data-outcome=\"\">7. Avoid having too much debt<\/h2>\n<p>Some debt isn\u2019t necessarily a bad thing. Proper use of credit can help you grow your business more quickly, and you can use your new revenues to make loan payments.<\/p>\n<p>If you borrow too much, you could be left with large loan payments that are hard to make, especially if business is slow and revenue less than expected. Excessive debt can also strain your business\u2019s \u00a0cash flow and its ability to cover operating expenses.<\/p>\n<p>It\u2019s better to limit your borrowing and grow at a slower, more sustainable pace than to try to borrow too much and put pressure on your company to make big loan payments.<\/p>\n<p>To help you decide whether you can take on new debt, consider using two measurements to understand your debt load:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Debt-to-income ratio: <\/strong>This ratio measures how much debt you have as a percentage of your income. It\u2019s best to keep your DTI to 36 percent or lower.<\/li>\n<li>\n<strong>Debt service coverage ratio: <\/strong>The DSCR measures how much income you have to cover all your debt repayments. You typically want to make sure you have a DSCR of 1.25, which means you have enough revenue to cover your debts and then some. The higher your DSCR, the better.<\/li>\n<li>\n<strong>Business budget: <\/strong>Consider whether the debt repayments can easily fit within your business budget, even during slow seasons.<\/li>\n<\/ul>\n<h2 id=\"talk\" data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"8. Talk to your lender if you\u2019re struggling\" data-outcome=\"\">8. Talk to your lender if you\u2019re struggling<\/h2>\n<p>If you\u2019re having trouble with repayments, reach out to your lender to discuss your situation. It\u2019s better to take this step sooner rather than later in order to get help before the situation grows beyond control and impacts your credit. Many lenders are happy to work with you to help you manage your debt and would prefer that to you suddenly missing payments and going into default.<\/p>\n<p>Your lender might be able to help you by offering a deferment or forbearance, giving you more time to come up with the funds to make your payments. They could also work with you to consolidate debt, restructure debt, refinance it, or, in the worst case, settle for less than you owe.<\/p>\n<h2 id=\"avoid\" data-position=\"9\" data-beam-element-viewed=\"\" data-id=\"br-h2-9-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"9. Avoid the consequences of not paying a business loan\" data-outcome=\"\">9. Avoid the consequences of not paying a business loan<\/h2>\n<p>If you don\u2019t pay an unsecured business loan, there could be severe consequences. After a missed payment, your loan will enter delinquency. When this happens, the lender may assess late fees and other penalties.<\/p>\n<p>If you miss payments for multiple months, your business loan goes into default. When this happens, the lender could immediately use the loan\u2019s acceleration clause to demand full repayment. The lender could also bring legal action against your company to force payment, and if you signed a personal guarantee, your personal assets could be up for grabs.<\/p>\n<p>Missed payments and loan defaults can also damage your credit, dropping your score and leaving negative marks that stay on your credit report for seven years. Bad credit can make future borrowing difficult, resulting in settling for bad credit business loans that are likely more expensive.<\/p>\n<p>To avoid these consequences, make sure you reach out to your lender to discuss your financing options before the situation escalates.<\/p>\n<h2 id=\"Refinance\" data-position=\"10\" data-beam-element-viewed=\"\" data-id=\"br-h2-10-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"10. Refinance if it makes sense\" data-outcome=\"\">10. Refinance if it makes sense<\/h2>\n<p>If your business is struggling to manage unsecured business \u00a0loan payments, refinancing may be able to make your loan more affordable. By refinancing you may be able to obtain a lower interest rate or extend the loan\u2019s repayment term to reduce the monthly payments, or both. Refinancing can help you lower the montly costs so that your business can afford the repayments.<\/p>\n<p>Before applying to refinance, review your business and personal credit score to assess your ability to qualify. Reviewing your debt-to-income ratio, along with your businesses revenue and profit is also a good step. The best qualified applicants have a solid credit score and a low debt-to-income ratio.<\/p>\n<h2 id=\"separate\" data-position=\"11\" data-beam-element-viewed=\"\" data-id=\"br-h2-11-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"11. Keep personal and business finances separate\" data-outcome=\"\">11. Keep personal and business finances separate<\/h2>\n<p>As a business owner, maintaining your business finances separately from your personal finances can be an important step, including when managing debt like an unsecured loan.\u00a0<\/p>\n<p>By keeping your finances separate, you can \u00a0track your business cash flow and expenses and stay on top of bill payments, including for your loan. And without a business bank account, it can also be harder to obtain a loan in the first place.<\/p>\n<p>Keeping your finances separate can also help you protect your personal assets should you default on a loan.<\/p>\n<h2 id=\"plan\" data-position=\"12\" data-beam-element-viewed=\"\" data-id=\"br-h2-12-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"12. Have a plan to make payments in emergencies\" data-outcome=\"\">12. Have a plan to make payments in emergencies<\/h2>\n<p>Establishing an emergency fund or cash reserves as a business owner is an important way to navigate uncertainty or economic downturns that may impact your ability to continue making payments on a business loan. An emergency fund can help keep your business going during such unexpected developments and protect your credit score from being impacted by unpaid bills. As a general rule, experts recommend having enough set aside to cover three to six months of expenses in an emergency.<\/p>\n<h2 data-position=\"13\" data-beam-element-viewed=\"\" data-id=\"br-h2-13-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Secured vs. unsecured business loans\" data-outcome=\"\">Secured vs. unsecured business loans<\/h2>\n<p>In short, the difference between an unsecured business loan versus a secured business loan is that an unsecured loan doesn\u2019t require you to put up collateral. Not requiring collateral can be beneficial if you don\u2019t have valuable assets that you can use or don\u2019t want to risk having valuable assets seized.\u00a0<\/p>\n<p>Consider the key differences between these two types of business loans to decide which one is best for you.<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<tbody>\n<tr>\n<td><strong>Type of business loan<\/strong><\/td>\n<td><strong>Collateral\u00a0<\/strong><\/td>\n<td><strong>Approval criteria<\/strong><\/td>\n<td><strong>Interest rates<\/strong><\/td>\n<td><strong>Loan amounts<\/strong><\/td>\n<td>Repayment terms<\/td>\n<\/tr>\n<tr>\n<td>Secured business loan<\/td>\n<td>Required. Can be:Real estateBusiness equipmentInventoryCashAccounts receivableStocks or CDs<\/td>\n<td>More relaxed, such as:600 personal credit score6 months to 1 year in business$100,000 to $150,000 in annual revenue<\/td>\n<td>Typically lower, such as 7.00% to 10.00%<\/td>\n<td>Often capped at a low amount, such as $5,000 to $500,000<\/td>\n<td>1 to 25 years<\/td>\n<\/tr>\n<tr>\n<td>Unsecured business loan<\/td>\n<td>Not required, but you may have to sign a personal guarantee\n<\/td>\n<td>Stricter requirements, such as:650 to 670 personal credit score2 years in business$150,000 to $250,000 in annual revenue<\/td>\n<td>Can range from 7.00% to 75.00%<\/td>\n<td>$5,000 to $5 million<\/td>\n<td>1 to 10<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div id=\"block_a5b47843e3861a372f6e51d08831bd99\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsTable\">\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div><\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Unsecured loan pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>You don\u2019t need valuable assets to back the loan<\/li>\n<li>Faster approval process because the lender doesn\u2019t have to appraise assets<\/li>\n<li>High loan amounts available<\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n<div class=\"ProsAndConsItem-headerContainer flex items-center gap-2\">\n<div>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/remove-circle.svg.svg+xml\" alt=\"Red circle with an X inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Unsecured loan cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>If you sign a personal guarantee, lenders can still go after your personal and business assets if you default on the loan<\/li>\n<li>Typically has higher interest rates<\/li>\n<li>May require a shorter repayment period or more aggressive daily or weekly payments to ensure you repay the loan to the lender<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<h2 data-position=\"14\" data-beam-element-viewed=\"\" data-id=\"br-h2-14-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"When to choose an unsecured business loan\" data-outcome=\"\">When to choose an unsecured business loan<\/h2>\n<p>The main reason you might choose an unsecured business loan over a secured business loan is to protect your business assets. You don\u2019t have to put up valuable assets to back the loan, so the lender can\u2019t immediately seize assets if you fail to make repayments. However, lenders can still sue you to go after your business and personal assets in the event of a default.\u00a0<\/p>\n<p>Another reason to choose an unsecured business loan is if you don\u2019t have valuable assets that you could use as collateral. Unsecured loans bypass the collateral requirements, helping you get a loan even without assets.<\/p>\n<h2 data-position=\"15\" data-beam-element-viewed=\"\" data-id=\"br-h2-15-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to apply for an unsecured business loan\" data-outcome=\"\">How to apply for an unsecured business loan<\/h2>\n<p>The application process for an unsecured business loan involves these steps:<\/p>\n<ol class=\"wp-block-list\">\n<li>\n<strong>Compare lenders and eligibility requirements. <\/strong>Shop around and consider both online and traditional brick-and-mortar banks to take care of your funding needs. Most lenders post their eligibility requirements online, so you can see if you will meet their qualifications before you apply.<\/li>\n<li>\n<strong>Prequalify with multiple lenders. <\/strong>Once you\u2019ve narrowed down your options, see if you can prequalify with lenders. Prequalification allows you to see the interest rates and terms the lender offers you without performing a hard check on your credit. Consider reputable lenders that offer you the best terms for a loan.<\/li>\n<li>\n<strong>Get your documents in order and apply. <\/strong>Gather your financial and business formation documents to showcase to the lender and submit your application. Documents needed may include business bank statements, balance sheet, profit and loss statements, business plan, business formation documents and business licenses.<\/li>\n<li>\n<strong>Wait to receive a response. <\/strong>The lender will reach out to you to let you know whether or not you were approved for the loan. It will also let you know if it needs additional documentation. Most lenders take a few weeks to process business loans, though online lenders often advertise funding within 24 to 48 hours.<\/li>\n<li>\n<strong>Provide bank information to receive your funding. <\/strong>Once you\u2019re approved, provide the details needed to receive the funding. It may take a few days for the funds to hit your account. Then, you can proceed to use the funds to cover business purchases.<\/li>\n<\/ol>\n<h2 data-position=\"16\" data-beam-element-viewed=\"\" data-id=\"br-h2-16-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>As a business owner, understanding the various financial tools available to you and how to use them effectively can be key to your long-term success. When managed responsibly, unsecured business loans can be one of these valuable tools. But before borrowing, engage in due diligence to make sure your budget can accommodate loan repayment and you understand the loan terms and risks of borrowing.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"38PdEknIRP\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/loans\/small-business\/how-to-manage-unsecured-business-loans\/\" target=\"_blank\" rel=\"noopener\" 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