FAQ

We are an independent business lender founded in 2019 that offers unsecured working capital loans and unsecured business lines of credit to small businesses in the United States. We are headquartered in Costa Mesa, California, and have employees working remotely nationwide.

Probably Funding offers unsecured working capital loans and unsecured business lines of credit to eligible businesses in most industries nationwide.

An unsecured working capital loan is a lump sum of cash that you can use to cover short-term expenses such as inventory, payroll, office rent, marketing, and business taxes. Probably Funding structures loans from $10,000 to $5 million, and more significant loan amounts are ideal for capital-intensive investments such as equipment, technology, and business expansion. You don’t have to pledge any collateral when applying for a working capital loan; our loans are unsecured.

Probably Funding offers unsecured working capital loans from $10,000 to $5 million, with term lengths from 6 months to 60 months. Loan requests of $500,000 or more require a complete financial package.

An unsecured (collateral-free) business line of credit is a set amount of funding that you can draw on demand and put towards a wide variety of business-related expenses and uses. Your available credit line replenishes each time you repay what you draw. Probably Funding offers unsecured business credit lines from $10,000 to $250,000. 

Probably Funding offers unsecured business lines of credit from $10,000 to $250,000. You can continuously draw from your credit line until you’ve reached your credit limit. And when you make a payment, your credit limit will go back up.

Absolutely. Probably Funding’s unsecured working capital loans and business credit lines are unsecured, which means that no collateral is needed. As such, you won’t need to pledge property, equipment, or other assets. Unsecured financing also affords you the benefits of a more straightforward application process and faster turnaround time. 

The interest rates on Probably Funding’s unsecured working capital loans and business lines of credit are determined by multiple factors. These include your credit score, time in business, and annual revenue, among others. Probably Funding has some of the most competitive rates in the industry, and we will match or beat a valid competitor’s offer for the same unsecured working capital loan amount — or line of credit amount — with the same terms.

Applying for an unsecured working capital loan or business line of credit with Probably Funding is quick and easy. Our website has a secure link to an online application form that asks for information about you and your business. We employ industry-standard security measures to protect your personal information and ensure that it remains confidential. We will review your application promptly and get back to you with a decision during our regular hours.

Yes. Fast turnaround times are one of the benefits of choosing Probably Funding. We can provide same-day funding for approved unsecured working capital loans and business line of credit requests during our regular hours, provided we have all the necessary signed documentation. Working capital loans of $500,000 or more require a complete financial package and, as a result, may take longer to deliver. 

At Probably Funding, we understand that every business’s financial situation is unique. That’s why we take the time to listen to your needs and tailor our unsecured working capital loans and business lines of credit to fit your specific requirements. With our competitive interest rates, flexible repayment terms, and excellent customer service, we are committed to helping you achieve your financial goals.