{"id":22187,"date":"2025-11-14T00:57:07","date_gmt":"2025-11-14T00:57:07","guid":{"rendered":"https:\/\/incredipros.com\/?p=22187"},"modified":"2025-11-14T00:57:09","modified_gmt":"2025-11-14T00:57:09","slug":"secured-vs-unsecured-business-line-of-credit","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=22187","title":{"rendered":"Secured vs. Unsecured Business Line Of Credit"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Hinterhaus Productions\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate\n        <\/p>\n<\/p><\/div>\n<div>\n<div id=\"block_c2d35561acfeb6d41aaab5106444cbe0\" 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                                                            Secured lines of credit require collateral.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Unsecured business lines of credit do not require collateral, but a personal guarantee may be needed.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Consider business needs, qualifications, credit score and assets when choosing a line of credit.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>According to the 2024 Small Business Credit Survey, 40 percent of small businesses applied for a business line of credit, making it the most commonly sought form of financing.<\/p>\n<p>Business lines of credit work similar to a credit card, providing a credit limit you can access as needed, only paying interest on the amount you borrowed. You can choose from a secured and unsecured line of credit. If you have collateral, or business assets, such as real estate, equipment or cash reserves, you may qualify for a secured business line of credit with a lower interest rate or higher borrowing limit. An unsecured line of credit is what lenders offer if you don\u2019t have collateral. Both options can be revolving or non-revolving, depending on whether the credit line replenishes as you repay.<\/p>\n<h2 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=\"Compare secured vs. unsecured lines of credit\" data-outcome=\"\">Compare secured vs. unsecured lines of credit<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"ck-table-resized wrapped\">\n<colgroup>\n<col\/>\n<col\/>\n<col\/>\n<\/colgroup>\n<tbody>\n<tr>\n<td> <\/td>\n<td><strong>Secured lines of credit<\/strong><\/td>\n<td><strong>Unsecured lines of credit<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Collateral requirement<\/td>\n<td>Requires collateral, such as property or other assets of significant value.<\/td>\n<td>Collateral is not required, so approval is largely based on the business owner\u2019s creditworthiness and income.<\/td>\n<\/tr>\n<tr>\n<td>Lender default options<\/td>\n<td>The lender can seize business assets used as collateral if borrowed funds are not repaid.<\/td>\n<td>A personal guarantee may be required, making the business owner personally responsible for repaying the line of credit if the business cannot keep up with payments.<\/td>\n<\/tr>\n<tr>\n<td>Interest rate<\/td>\n<td>Typically, lower interest rate, ranging from 7.25% to 8.17%<\/td>\n<td>Typically, higher interest rate, ranging from 6.00% to 57.00%<\/td>\n<\/tr>\n<tr>\n<td>Credit limit<\/td>\n<td>Higher credit limit of up to $5 million if you can provide enough collateral to secure it<\/td>\n<td>Lower credit limit, usually between $5,000 and $500,000<\/td>\n<\/tr>\n<tr>\n<td>Repayment time<\/td>\n<td>Longer terms, typically ranging from 12 to 120 months<\/td>\n<td>Shorter terms, usually between 3 and 24 months<\/td>\n<\/tr>\n<tr>\n<td>Time to process loan<\/td>\n<td>Can take days or weeks for collateral appraisal and loan setup<\/td>\n<td>Often approved within days<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"secured\" 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=\"Secured business lines of credit\" data-outcome=\"\">Secured business lines of credit<\/h2>\n<p>If you choose a secured business line of credit, you agree to offer up assets to repay the loan if you default. Common types of business collateral include vehicles, real estate, inventory, or equipment. Your collateral\u2019s total value should match the borrowed amount so the lender can fully recoup the funds.<\/p>\n<p>Typically, with a secured business line of credit and other secured business loans, you\u2019ll receive lower interest rates and higher borrowing limits since your lender assumes minimal risk.<\/p>\n<div id=\"block_80b85de2d370e28f0f31025802067030\" 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>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Lower interest rate: Loan approval isn\u2019t based solely on your credit score or income. Your assets\u2019 value matters too. Lenders may feel more comfortable charging lower interest rates.<\/li>\n<li>Higher loan amount: Depending on your assets\u2019 value, you can access a higher loan amount than you would with an unsecured business loan.<\/li>\n<li>Increases odds of approval: Since the loan is secured with collateral equal to the loan\u2019s value, lenders are more likely to approve borrowers with poor or fair credit.<\/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    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Loss of collateral: If the borrowed funds are not repaid, the lender can seize the assets, which may harm the business if the asset is vital to its operation.<\/li>\n<li>Lengthy application process: Lenders have to get the collateral appraised to ensure it is of value, and this can slow down the process of securing the loan.<\/li>\n<li>Risk of overspending: A high credit limit can tempt you to spend more than you can afford, leaving you struggling to repay what you\u2019ve borrowed.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<h2 id=\"unsecured\" 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=\"Unsecured business lines of credit\" data-outcome=\"\">Unsecured business lines of credit<\/h2>\n<p>The biggest difference between a secured and unsecured business line of credit is that collateral isn\u2019t required. Even with an unsecured line of credit, you\u2019re not completely off the hook if you don\u2019t repay what you borrow. A personal guarantee is what an unsecured line of credit lender will usually require in lieu of business collateral.<\/p>\n<p><u>Qualifying for an unsecured business line of credit<\/u> may be challenging, especially when you are a startup or have little to no business credit. You may have better luck getting approved with an online lender, but you risk paying higher interest.<\/p>\n<div id=\"block_0e83ec995cb4c898f6422f2627124cc8\" 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>\n                <img decoding=\"async\" src=\"https:\/\/incredipros.com\/wp-content\/uploads\/2025\/06\/circle-check.svg.svg+xml\" alt=\"Green circle with a checkmark inside\"\/>\n            <\/div>\n<p>            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>No risk to business assets: With unsecured loans, there\u2019s no collateral for the lender to seize if you default.<\/li>\n<li>Faster funding timeline: Underwriting is typically faster with unsecured loans because the lender can skip the collateral appraisal step.<\/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    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore -->\n        <\/div>\n<ul class=\"ProsAndConsItem-list\">\n<li>Harder to qualify: Because lenders can\u2019t offset their risk by requiring collateral, they\u2019ll typically set other creditworthy requirements higher.<\/li>\n<li>Higher interest rates: Unless you have truly outstanding credit, you\u2019ll likely see higher<\/li>\n<li>May require a personal guarantee: With a personal guarantee, you may lose your own assets instead of the business\u2019s if you hit hard times and can\u2019t repay the loan.<\/li>\n<\/ul><\/div>\n<\/div><\/div>\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                    Does an unsecured business line of credit require a personal guarantee?\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>An unsecured business line of credit may require a personal guarantee, but it depends on the lender and your financial situation. If you don\u2019t provide a personal guarantee, it will usually limit the credit amount and come with stricter eligibility requirements because the lender is taking on more risk.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"better\" 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=\"Secured vs. unsecured line of credit: Which is better?\" data-outcome=\"\">Secured vs. unsecured line of credit: Which is better?<\/h2>\n<p>If you\u2019re uncertain about which type of line of credit is better, start by assessing the needs and qualifications of your business. Consider:<\/p>\n<ul class=\"wp-block-list\">\n<li>Do you have assets that you can and want to use to back the line of credit?<\/li>\n<li>How much do you need to borrow?<\/li>\n<li>Will the credit limit increase for a secured line of credit vs. unsecured?<\/li>\n<li>Do I meet the qualifications for this type of line of credit?<\/li>\n<li>Will the line of credit require a personal guarantee?<\/li>\n<li>Does the secured line of credit offer lower interest rates than an unsecured line?<\/li>\n<\/ul>\n<p>If you\u2019re an established business with assets you\u2019re willing to put on the line, a secured line of credit is likely a better fit. Startups without the finances to guarantee the credit funding may have to settle for an unsecured line of credit.<\/p>\n<h2 id=\"alternatives\" 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=\"Alternatives to business lines of credit\" data-outcome=\"\">Alternatives to business lines of credit<\/h2>\n<p>Business lines of credit are just one way to get funds. Here are other financing options to consider:<\/p>\n<ul class=\"wp-block-list\">\n<li>\nBusiness credit cards offer revolving credit for smaller expenses and usually come with lower credit limits and higher variable interest rates.<\/li>\n<li>\nTerm loans provide a lump sum to cover larger expenses, such as equipment or real estate, and are repaid over time with interest.<\/li>\n<li>\nCrowdfunding raises capital from individuals or groups. Funds may be donations, loans, rewards-based, or in exchange for equity.<\/li>\n<li>\nBusiness grants are non-repayable funds ideal for businesses looking to avoid debt, though they are highly competitive.<\/li>\n<li>\nMerchant cash advances offer quick access to funds based on future debit and credit card sales.<\/li>\n<\/ul>\n<h2 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=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>Considering your business\u2019s financial health, assets and funding needs can help you determine whether a secured and unsecured business line of credit is the right fit to fund your goals. While secured credit lines offer higher limits and lower interest rates, they require collateral \u2014 something not every small business has or can afford to risk.<\/p>\n<p>On the other hand, unsecured credit lines don\u2019t need collateral but may come with stricter approval requirements and higher interest rates. The right line of credit can offer flexible access to cash when you need it most. Weighing your options is the first step to getting a business line of credit.<\/p>\n<h2 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=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What happens if you default on an unsecured line of credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            If you default on an unsecured business line of credit, the lender may still be able to go after your business assets to repay the loan. It may also seize personal assets if you signed a personal guarantee for the line of credit. To seize assets, the lender may try to take you to court to receive loan repayment.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is easier to get: a secured or unsecured line of credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Secured lines of credit may have more relaxed eligibility requirements, allowing businesses with less-than-ideal finances to qualify. However, if you qualify for an unsecured business line of credit, you may have to file less paperwork related to your business assets. The streamlined process may help you receive funding more quickly than a secured business line of credit.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What credit score is needed for a secured line of credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The required credit score of a secured business line of credit varies based on the lender, but businesses may be eligible with a minimum credit score of 500.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\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=\"gIKzA2dpkZ\" 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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rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hinterhaus Productions\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate Key takeaways Secured lines of credit require collateral. Unsecured business lines of credit do not require collateral, but a personal guarantee may be needed. Consider business needs, qualifications, credit score and assets when choosing a line of credit. According to the 2024 Small Business Credit Survey, 40<\/p>\n","protected":false},"author":1,"featured_media":22188,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[62],"tags":[],"class_list":{"0":"post-22187","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-small-business"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Secured vs. Unsecured Business Line Of Credit | IncrediPros<\/title>\n<meta name=\"description\" content=\"Hinterhaus Productions\/ Getty Images; Illustration by Austin Courreg\u00e9\/Bankrate Key takeaways Secured lines of credit require collateral. 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