Unsecured Business Funding

Capital that flows with your ambition

Qualify for up to $500,000 today. 100% unsecured funding from major banks and credit unions. No collateral required, startup friendly, no industry restrictions.

$500K
Max Funding Amount
7-Day
Avg. Funding Time
680+
Min. Credit Score

Do You Qualify?

Check these boxes and you're likely a fit:

680+ personal credit score across all 3 bureaus
$50K+ taxable income on your last 2 years of tax returns
Have a business idea, startup, or existing business in any industry
Check My Options

No hard credit pull. No obligation.

How It Works

Funded in 3 Simple Steps

Our streamlined process gets you from application to cash in hand — typically within 7 business days.

1

Apply Online

Fill out a quick 60-second application. A funding specialist will contact you within 24 hours to discuss your capital needs.

2

Get Matched

After receiving your credit report, we match you with the best lenders based on your industry, credit profile, and funding needs.

3

Submit & Fund

Upload your last two years of tax returns. Receive your approved funding within 7 business days — deposited directly to you.

Grow Your Business

Use your funds for inventory, payroll, marketing, expansion, real estate — whatever your business needs to thrive.

Start Your Application
Funding Solutions

100% Unsecured Funding Programs

No collateral. No minimum time in business. Choose the funding option that fits your situation.

Term Loans

5 or 7-year fixed-rate personal term loans with full liquidity from day one.

  • Rates from 9–15% based on credit strength
  • Fixed monthly payments
  • No upfront fees
  • Full liquidity immediately
  • Funded in 7–15 business days
Requirements
  • 680+ credit score on all 3 bureaus
  • 2 years tax returns showing $50K+ income

Business Credit Cards

Build business credit with cards that report only to your business — not your personal credit.

  • 0% interest for 6–12 months
  • No minimum time in business
  • Stated income — no docs needed
  • No upfront fees
  • Reports only to the business
Requirements
  • 700+ credit score on all 3 bureaus
  • Established business entity

Personal Credit Cards

Build personal credit with national "A-tier" lenders and unlock additional working capital.

  • 0% interest for first 18 months
  • Build credit with national lenders
  • Access to additional working capital
  • Become eligible for future funding
  • Maximize total funding received
Requirements
  • 700+ credit score on all 3 bureaus
Who Qualifies

Not sure if you're eligible?

Our funding programs are designed for business owners at every stage — from brand-new startups with no revenue to established companies ready to scale. Here's what you need.

  • Credit score of 680+ on all 3 bureaus (Experian, Equifax, TransUnion). Or a co-signer with 680+ scores.
  • $50,000+ in taxable income shown on your last 2 years of personal tax returns (1040s).
  • Any industry, any stage. No restrictions on business type or how long you've been in business.
  • No collateral needed. All funding is 100% unsecured — your assets stay yours.
Funding at a Glance
$50K – 500K
Funding range per client
7% Avg.
APR on term loans (up to 7 years)
0%
Intro rate on credit cards (6–18 months)
7 Days
Average time to funding approval
About Rivora Funding

Your dedicated funding partner

Rivora Funding Group connects business owners with the capital they need to launch, grow, and scale. We work with Preferred Funding Group — a BBB-accredited, full-service unsecured lender specializing in funding from $50K to $500K.

Whether you're opening a restaurant, launching an ecommerce brand, expanding a franchise, or need working capital — we'll match you with the right funding solution and guide you through every step.

BBB Accredited Lender

Backed by Preferred Funding Group's trusted, transparent lending practices.

No Impact Credit Check

See what you qualify for with a soft pull — no impact to your credit score.

Hands-On Guidance

Get expert help navigating your funding options so you can focus on your business.

Any Business, Any Stage

No industry restrictions. No minimum time in business. Startups welcome.

What We Fund

Inventory & Equipment
Payroll & Employees
Marketing & Advertising
Real Estate & Renovations
Ecommerce & Startups
Franchises & Expansions
Restaurants & Consulting
Emergencies & Vehicles

How We Compare

Collateral Required?None
Time in Business?No minimum
Revenue Required?No
Upfront Fees?$0
Credit Impact to Apply?Soft pull only

Ready to fuel your business growth?

Apply in 60 seconds. No obligation. No hard credit pull. A funding specialist will reach out within 24 hours to discuss your options.

Start Your Application

Free consultation · No impact to your credit score · Funding in as little as 7 days