Loan Program Guidelines
Unsecured Loans &
Lines of Credit
Fast Funding to Start or Grow Your Business
Our Unsecured Funding Programs
Two flexible, collateral-free programs designed to help entrepreneurs, business owners, and startups access the capital they need quickly and confidently.
5–7 Year Term Loan
Lump-sum capital deposited directly into your personal account, allowing you to immediately access funding for any business use with fixed, predictable monthly payments.
- Business startup capital
- Expansion funding
- Equipment purchases
- Working capital
- Debt consolidation
- Minimum 680 credit score across all three bureaus
- Proof of $50,000+ annual personal income for the past two years
- Personal tax returns required
Business Credit Card Program
Business credit cards that function as unsecured lines of credit, providing flexible access to capital when you need it — with a 0% introductory period and reporting only to your business credit profile.
- Managing cash flow
- Covering operational expenses
- Short-term capital needs
- Building business credit
- Minimum 700 personal credit score across all three bureaus
- Reports only to the business credit profile
- Helps build and strengthen business credit history
Both Programs Include
Regardless of which program you qualify for, every borrower receives the same core benefits.
100% Unsecured
No collateral required. Your personal or business assets are never at risk as security for the loan.
No Use Restrictions
No restrictions on how funds are used. Deploy capital however your business needs it most.
No Early Payoff Penalties
Pay off your loan early at any time without incurring prepayment penalties or additional fees.
Fast Approvals
Streamlined underwriting designed to move quickly. Most borrowers receive funding within 7–15 business days.
Competitive Terms
Terms comparable to major banks, backed by relationships with some of the most reputable lenders in the funding ecosystem.
Nationwide Funding
Available to qualified borrowers across all 50 states with a dedicated funding specialist guiding you through every step.
Our Track Record
Eligibility at a Glance
Term Loan — Program 1
- Minimum 680 credit score (all three bureaus)
- $50,000+ annual personal income — documented for two years
- Personal tax returns required
- Funding range: $50,000 – $500,000
- Term: 5–7 years with fixed APR
- Funds deposited directly to personal account
Business Credit Card — Program 2
- Minimum 700 credit score (all three bureaus)
- Funding range: $50,000 – $150,000
- 0% introductory interest for 6–12 months
- Reports only to business credit profile
- Builds and strengthens business credit history
- Ideal for managing cash flow and operational expenses
Why Prime Pinnacle
Ready to Secure Your Business Funding?
Speak with a Funding Specialist Today.