{"id":38081,"date":"2024-09-13T10:04:59","date_gmt":"2024-09-13T10:04:59","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/?page_id=38081"},"modified":"2026-03-02T12:17:11","modified_gmt":"2026-03-02T12:17:11","slug":"what-is-business-loan-collateral","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/us\/business-loans\/what-is-business-loan-collateral\/","title":{"rendered":"What is business loan collateral"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"38081\" class=\"elementor elementor-38081\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4f955c0 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4f955c0\" data-element_type=\"section\" data-e-type=\"section\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2484eda\" data-id=\"2484eda\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0d96652 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d96652\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-634a73c\" data-id=\"634a73c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dcac8ea elementor-widget elementor-widget-heading\" data-id=\"dcac8ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What is business loan collateral?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9088f1 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"d9088f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5962f elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"7b5962f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/us.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join Swoop<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-be6f54a\" data-id=\"be6f54a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcfb1fe elementor-widget elementor-widget-ucaddon_summary_from_andrea\" data-id=\"fcfb1fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_summary_from_andrea.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"summary-from-andrea-container\">\n <div class=\"summary-content\">\n <h4>\n Key Takeaways <\/h4>\n\n <ul><li>Collateral is an asset pledged to secure a loan, helping reduce lender risk and potentially improving loan terms.<\/li><li>Common collateral includes property, equipment, inventory, or invoices; not all loans require it.<\/li><li>Alternatives without collateral include equipment financing, merchant cash advances, credit cards, crowdfunding, and external investment.<\/li><\/ul> <\/div>\n\n <div class=\"andrea-avatar\">\n <img decoding=\"async\" loading=\"lazy\" class=\"avatar\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/andrea-avatar-min.png\" alt=\"Andrea Reynolds, Swoop\u2019s CEO & Co-Founder\">\n <a href=\"https:\/\/swoopfunding.com\/us\/about-swoop\/team\/andrea-reynolds\/\">See Andrea's profile <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/arrow-right-min.svg\"><\/a>\n <\/div>\n\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8858b8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f8858b8\" data-element_type=\"section\" data-e-type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container 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data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of 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class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a15bc4 elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"7a15bc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"What is business loan collateral\",\n          \n          \"datePublished\": \"2024-09-13T10:04:59+00:00\",\n          \"dateModified\": \"2026-03-02T12:17:11+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Chris Godfrey\",\n              \"url\": \"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"Chris Godfrey\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\">Chris Godfrey<\/a>. <span>Last reviewed on March 2, 2026<\/span>. <span>Next review due October 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d64bf62 elementor-widget elementor-widget-text-editor\" data-id=\"d64bf62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You may have heard the term \u2018collateral\u2019 before but are unsure what it means or how it works. Essentially, collateral offsets risk when lenders provide a loan. It\u2019s a simple trade-off &#8211; you provide assets that lenders can sell if you default on the loan and they provide you with the funds your business needs.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb5b3aa uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"fb5b3aa\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c849d question elementor-widget elementor-widget-heading\" data-id=\"c7c849d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is collateral?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7c0d1f answer elementor-widget elementor-widget-text-editor\" data-id=\"c7c0d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Collateral is an asset or property that a borrower offers to a lender as security for a <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/\"><span style=\"font-weight: 400;\">business loan<\/span><\/a><span style=\"font-weight: 400;\">. If the borrower fails to repay the loan, the lender can seize the collateral to recover the owed amount. By securing the loan with collateral, borrowers may be able to obtain better loan terms, such as lower interest rates or higher loan amounts.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a22a89 question elementor-widget elementor-widget-heading\" data-id=\"4a22a89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How collateral works with business loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d34846b answer elementor-widget elementor-widget-text-editor\" data-id=\"d34846b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When you sign a business loan&#8217;s closing documents, you&#8217;ll also sign a lien agreement, which grants the lender the right to your collateral if you fail to repay the loan. While the asset remains in your possession, the lender&#8217;s lien ensures they can recover their losses in case of your default<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lenders typically require collateral equal to at least 100% of the loan value. For instance, if you use real estate as collateral, its value must meet or exceed the loan amount. The stability of the asset&#8217;s value is crucial\u2014real estate often appreciates, while vehicles or machinery tend to depreciate quickly. This means some assets are more preferable as collateral than others<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lenders will consider the marketability and transferability of the asset when assessing value, preferring those that can be easily sold if needed. If you fall behind on payments, the lender may contact you before taking steps to seize the collateral. Once you\u2019ve fully repaid the loan, the lender will issue a lien release, officially relinquishing their claim on your property and returning full ownership rights to you<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69e389e question elementor-widget elementor-widget-heading\" data-id=\"69e389e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why is collateral required for a business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-697875a answer elementor-widget elementor-widget-text-editor\" data-id=\"697875a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The fundamental goal of any lender is to protect their capital. They want to make money when they provide a loan, but ensuring they get their money back is paramount. Collateral offsets risk and gives the lender confidence that they will get their money back no matter what. This means lenders will typically demand collateral when the borrower\u2019s credit is weak or the loan amount is high. By placing a lien on borrower assets that can be seized and sold to cover the loan amount, the lender\u2019s risk is greatly reduced.\u00a0<\/span><\/p><p><b>Important note:<\/b><span style=\"font-weight: 400;\"> Not all small business loans require collateral. Some loans, such as <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/semi-truck-financing\/\"><span style=\"font-weight: 400;\">vehicle financing<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/\"><span style=\"font-weight: 400;\">equipment financing<\/span><\/a><span style=\"font-weight: 400;\">, are self-collateralizing, as they use the item you are buying as security for the loan \u2013 much like a residential mortgage. Additionally, other small business loans, such as a business credit card, will usually require zero collateral to obtain. However, even where the borrower provides no collateral, they will typically be required to sign a \u2018personal guarantee\u2019. This makes them personally liable for the debt, not their business, which means the lender can pursue them and their personal assets, such as their home, if they default on the loan. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e3a7a1 question elementor-widget elementor-widget-heading\" data-id=\"0e3a7a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What qualifies as collateral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-182514f answer elementor-widget elementor-widget-text-editor\" data-id=\"182514f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lenders may accept a range of assets as collateral for a loan. Common examples include:<\/span><\/p><h3><b>Real estate<\/b><\/h3><p><span style=\"font-weight: 400;\">This may be <a href=\"https:\/\/swoopfunding.com\/us\/commercial-real-estate\/\">commercial real estate<\/a>, such as offices, warehouses and factories, or it could be residential property such as houses and condominiums. Where there is already an existing lien on the real estate, such as a mortgage, the lender will only consider the remaining equity in the property, taking a second lien on the real estate as subordinated debt.\u00a0<\/span><\/p><p><b><i>Example of using real estate with existing mortgage:<\/i><\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Value of real estate: $1,000,000<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Balance of current mortgage: $400,000<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity: $600,000<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property value for loan collateralization purposes: $600,000\u00a0<\/span><\/li><\/ul><h3><b>Business equipment<\/b><\/h3><p><span style=\"font-weight: 400;\">Business equipment can include machinery, heavy plant, production systems, technology and almost anything tangible that businesses use to function. Lenders will always value such assets at fair market value less depreciation \u2013 which means wear and tear plus age.\u00a0<\/span><\/p><h3><b>Inventory<\/b><\/h3><p><span style=\"font-weight: 400;\">For some businesses, the inventory they hold may be their biggest asset and some lenders will consider this as collateral for a loan. Typically, lenders will value the inventory at cost price, not the higher resale price, less a margin for selling the assets quickly at auction.\u00a0<\/span><\/p><h3><b>Investments<\/b><\/h3><p><span style=\"font-weight: 400;\">Investments can be stocks and share, bonds, treasury bills and other paper assets. These types of collateral are easy to value and liquidate and are considered strong collateral by lenders.<\/span><\/p><h3><b>Cash<\/b><\/h3><p><span style=\"font-weight: 400;\">You may wonder why a business with sufficient cash to secure a loan needs a loan. The answer is that for some businesses, it is better to keep the cash on deposit as a balance sheet asset and take out a loan for other purposes than spending their cash on business expenses. Note that only some lenders will consider cash as collateral, but if the funds are in a bank account or deposit account, they will be easy to value and secure.\u00a0<\/span><\/p><h3><b>Invoices<\/b><\/h3><p><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-finance\/\"><span style=\"font-weight: 400;\">Invoice financing<\/span><\/a><span style=\"font-weight: 400;\"> uses the value of your unpaid invoices as collateral for a loan. You can receive a percentage of the invoice value (up to 95%) within days of raising the bill and then receive any balance (after the lender has deducted interest and fees) when your customers pay the invoice. This loan method means you do not get full value for your invoices, but you get paid in 48 hours or less instead of waiting 30, 60, 90 days or more.\u00a0<\/span><\/p><h3><b>Blanket lien<\/b><\/h3><p><span style=\"font-weight: 400;\">A blanket lien is what is sounds like \u2013 the lender places a lien on all your business assets, giving them access to real estate, vehicles, machinery, cash and inventory to repay the debt. This kind of arrangement is more typical for businesses that have few large assets to secure the loan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f43131 question elementor-widget elementor-widget-heading\" data-id=\"9f43131\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the pros and cons of business collateral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-959d662 answer elementor-widget elementor-widget-text-editor\" data-id=\"959d662\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Providing collateral to support a business loan may have significant benefits:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easier loan approval \u2013 especially if borrower credit is weak<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Higher loan amounts offered than unsecured loans<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Greater selection of loan types<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lower interest rates and fees<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Longer repayment periods<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">But it can also have its disadvantages:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Approval process may be slower as the lender must value your collateral<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You may lose your assets if you default on the loan<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5b4b07 question elementor-widget elementor-widget-heading\" data-id=\"c5b4b07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much collateral do I need?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d46fd3 answer elementor-widget elementor-widget-text-editor\" data-id=\"0d46fd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If collateral is required to support your business loan it will typically need to be worth at least the same as the loan amount, plus a margin to allow for legal costs, auction expenses and added interest. This margin is also known as a \u2018cushion\u2019 and it can vary according to the level of risk involved in the transaction, the strength of your credit profile and the type of collateral being offered. Generally speaking, more volatile collateral, such as machinery or inventory, will require a higher cushion than more stable collateral such as real estate or investments.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5b8b9 question elementor-widget elementor-widget-heading\" data-id=\"1c5b8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What types of business financing require collateral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-baaac52 answer elementor-widget elementor-widget-text-editor\" data-id=\"baaac52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Some business loans do not require collateral, but many do. Popular types of loan where collateral is often needed include:<\/span><\/p><h3><b>Term loan<\/b><\/h3><p><span style=\"font-weight: 400;\">The most common type of business loan. <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/term-loans\/\"><span style=\"font-weight: 400;\">Term loans<\/span><\/a><span style=\"font-weight: 400;\"> are typically used for one-off investments where you know exactly how much cash you need. Commercial real estate purchases, plant and equipment investment, and debt repayment and restructuring activities work well with this kind of loan. You receive a single, lump-sum cash injection and then pay it back in regular instalments, plus interest and any fees, over a fixed period of up to 25 years.\u00a0<\/span><\/p><h3><b>Business line of credit<\/b><\/h3><p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/business-line-of-credit\/\"><span style=\"font-weight: 400;\">business line of credit<\/span><\/a><span style=\"font-weight: 400;\"> functions like a high-value credit card but comes with lower interest rates and fees. Organizations can withdraw as much as they want when they want from a loan facility up to the limit of their borrowing. Interest rates are usually fixed, and businesses may repay on a set or flexible schedule. This kind of loan is ideal for organizations that want maximum flexibility or for investment situations where the total cash required is unknown.\u00a0<\/span><\/p><h3><b>SBA loans<\/b><\/h3><p><span style=\"font-weight: 400;\">Standard <\/span><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/sba-7a-loans\/\"><span style=\"font-weight: 400;\">SBA 7a business loan<\/span><\/a><span style=\"font-weight: 400;\">s<\/span><span style=\"font-weight: 400;\"> are provided by banks, credit unions and online lenders who are part of the Small Business Administration (SBA) lender network. Partially backed by the US Government, these loans can provide up to $5million to qualifying borrowers with repayment terms as long as 25 years.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">SBA loans usually come with much lower interest rates and fees than other commercial lending but meeting their strict rules of eligibility can be tough for many businesses. As well as an <\/span><span style=\"font-weight: 400;\">approval process that can take several months, organizations will typically need to have been in business for at least four years and have annual revenues over $180,000. Your personal credit score must be at least 680.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cdcca question elementor-widget elementor-widget-heading\" data-id=\"e9cdcca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I get a business loan without collateral?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56a552c answer elementor-widget elementor-widget-text-editor\" data-id=\"56a552c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes. Even if you don\u2019t have collateral to support a business loan, it may still be possible to give your business the funding it needs. Options include:<\/span><\/p><h3><b>Self-collateralizing business loans<\/b><\/h3><p><span style=\"font-weight: 400;\">These are loans that use the item(s) you are buying to support the borrowing. Use the items as you pay for them while the lender maintains a lien on the assets. Common self-collateralizing business loans include:<\/span><b><\/b><\/p><ul><li aria-level=\"1\"><b>Equipment financing<\/b><\/li><\/ul><p><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/\"><span style=\"font-weight: 400;\">Equipment loans<\/span><\/a><span style=\"font-weight: 400;\"> use the asset you\u2019re financing as security, similar to a car loan or a residential mortgage. Once the loan is approved, the lender sends the funds to the equipment vendor, who then delivers the machinery. You use the equipment as you pay for it and the lender maintains a lien on the title to the machinery. Once you pay the loan back, the lender releases the lien, and you own the equipment outright. No added collateral required.<\/span><\/p><ul><li aria-level=\"1\"><b>Merchant cash advance<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Available for businesses that accept customer payments by credit and debit card. A <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/merchant-cash-advance\/\"><span style=\"font-weight: 400;\">merchant cash advance<\/span><\/a><span style=\"font-weight: 400;\"> allows you to borrow against the value of your card sales. As your card sales increase, your borrowing limit goes up. Pay the loan back with a fixed percentage of your card sales on a daily, weekly or monthly basis. Your sales act as security for the loan, no added collateral is required.<\/span><\/p><h3><b>Alternative business financing<\/b><b><\/b><\/h3><ul><li aria-level=\"1\"><b>Business credit card<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Works like a personal credit card but usually comes with higher loan amounts and lower interest rates. Opening a business credit card account and making regular repayments can help borrowers with bad credit improve their score. Added collateral is usually not required.<\/span><br \/><b><\/b><\/p><ul><li aria-level=\"1\"><b>Crowdfunding<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Available via various online platforms, crowdfunding can bring in large sums if your presentation hits the right spot. Although it\u2019s not easy to raise business financing in small donations from hundreds of donors, this cash is essentially free as there is no interest to pay and you do not need to repay the money if you spend it where you said you would. An eye-catching idea and a powerful pitch is essential to succeed with this funding option. No collateral required.<\/span><b><\/b><\/p><ul><li aria-level=\"1\"><b>External investors<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">If you\u2019re seeking outside investment, there are networks of venture capitalists and angel investors readily available online. Bringing in external investment can give you the cash you need, and it may also deliver a unique and extra set of skills and contacts that can help your organization grow even faster.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Note that investors will usually want a piece of the action in exchange for their money. This will mean you giving up a share of your ownership and may loosen your overall control of the business. Some investors may also want higher dividends or royalty payments as well as their share of equity.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e88202 question elementor-widget elementor-widget-heading\" data-id=\"9e88202\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get started with Swoop's business funding platform<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55efb73 answer elementor-widget elementor-widget-text-editor\" data-id=\"55efb73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No matter if you\u2019re a business owner seeking your first business loan or you\u2019re a seasoned borrower, working with business finance experts can make all the difference when applying for funding. <\/span><a href=\"https:\/\/swoopfunding.com\/us\/\"><span style=\"font-weight: 400;\">Contact Swoop<\/span><\/a><span style=\"font-weight: 400;\"> to discuss your borrowing needs, get help with your application and to compare high-quality business loans from a choice of lenders. Give your organization the financial boost it deserves. Register with Swoop today.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afcdcc0 elementor-widget elementor-widget-spacer\" data-id=\"afcdcc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f39c858 elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"f39c858\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"right-info\">\n <div class=\"inner-top\">\n <div class=\"info-top\">\n <div class=\"info-title\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/\">Chris Godfrey<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Linkedin\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n \n <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\"Website\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-site-min.svg\" width=\"30\" height=\"30\" alt=\"Website\">\n <\/a><\/li>\n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/us\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n \n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-edc8e51 e-flex e-con-boxed e-con e-parent\" data-id=\"edc8e51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4d5606b e-con-full e-flex e-con e-child\" data-id=\"4d5606b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b7bd13 elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"3b7bd13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"60\" height=\"33\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/uploads\/sites\/3\/2022\/10\/icon-swoop.svg\" class=\"attachment-full size-full wp-image-19077\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e0ba9d elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"9e0ba9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Create your free Swoop account to get your free business loan quote today<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c325a6c elementor-widget__width-auto bt-form-45 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"c325a6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/us.swoopfunding.ca\/stage\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join Swoop<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-556576e e-flex e-con-boxed e-con e-parent\" data-id=\"556576e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1af2bc1 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"1af2bc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">Related pages<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/best-business-loans-100000-or-less\/\">$100,000 or less business 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href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/certapro\/\">CertaPro <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/chauffeur-finance\/\">Chauffeur finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/chem-dry-franchise\/\">Chem-Dry franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/chick-fil-a\/\">Chick-fil-A <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/choice-hotels-franchise\/\">Choice Hotels franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/cinnabon\/\">Cinnabon <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/comfort-keepers\/\">Comfort Keepers <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-leasing\/commercial-equipment-leasing\/\">Commercial equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/commercial-equity-line-of-credit\/\">Commercial equity line of credit <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/commercial-finance\/\">Commercial finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/commercial-fleet-finance\/\">Commercial fleet finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/construction-equipment-financing\/\">Construction equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/coverall-cleaning-franchise\/\">Coverall cleaning franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/crane-finance\/\">Crane equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/credit-union-business-loans\/\">Credit union business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/cruise-one-franchise\/\">Cruise One franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/customer-financing\/\">Customer financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/delayed-draw-term-loan\/\">Delayed draw term loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/delayed-payment-loans\/\">Delayed payment loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/dental-equipment-financing\/\">Dental equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/dominos\/\">Domino&#8217;s <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/dump-truck-finance\/\">Dump truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/dunkin-donuts-franchise\/\">Dunkin&#8217; Donuts franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/epos-system\/\">EPOS system <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/employee-retention-credits\/erc-application\/\">ERC application <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/easy-business-loans\/\">Easy business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/ecommerce-financing\/\">Ecommerce financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/emergency-business-loans\/\">Emergency business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/employee-retention-credits\/erc-vs-ppp-can-i-qualify\/\">Employee Retention Credit vs PPP Loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/employee-retention-credits\/\">Employee retention credits <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-appraisals\/\">Equipment appraisals <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/equipment-finance-brokers\/\">Equipment finance brokers <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/equipment-finance-insurance\/\">Equipment finance insurance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/\">Equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-leasing\/\">Equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/excavator-finance\/\">Excavator financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/express-employment-professionals\/\">Express Employment Professionals <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/f45\/\">F45 <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/farm-loans-for-women\/\">Farm loans for women <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/fastsigns\/\">Fastsigns <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/flexible-finance\/\">Flexible finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/forestry-equipment-finance\/\">Forestry equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/forklift-finance\/\">Forklift financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/\">Franchise finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/hr-block-franchise\/\">H&amp;R Block franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/hard-money-business-loans\/\">Hard money business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/heavens-best-carpet-cleaning-franchise\/\">Heaven&#8217;s Best Carpet Cleaning franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/heavy-equipment-finance\/\">Heavy equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-leasing\/heavy-equipment-leasing\/\">Heavy equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/home-instead\/\">Home Instead <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/homewatch-caregivers-franchise\/\">Homewatch Caregivers franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/how-do-small-business-loans-work\/\">How do small business loans work <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/how-long-does-it-take-to-get-a-business-loan\/\">How long does it take to get a business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/how-much-business-loan-can-i-get\/\">How much business loan can I get <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/working-capital-loans\/how-to-calculate-working-capital\/\">How to calculate working capital <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/startup-loans\/how-to-get-a-startup-loan\/\">How to get a startup loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/llc-loans\/how-to-get-an-llc-loan\/\">How to get an LLC loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/merchant-cash-advance\/how-to-record-a-mca-on-financial-statements\/\">How to record a merchant cash advance on financial statements <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/industrial-equipment-finance\/\">Industrial equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-discounting\/\">Invoice discounting <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-factoring\/\">Invoice factoring <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-factoring\/invoice-factoring-for-bad-credit\/\">Invoice factoring for businesses with bad credit <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-factoring\/factoring-vs-discounting\/\">Invoice factoring vs. invoice discounting: What&#8217;s the difference? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-finance\/\">Invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/islamic-business-finance\/\">Islamic business finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/jan-pro\/\">Jan-Pro <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/jazzercise-franchise\/\">Jazzercise franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/jersey-mike\/\">Jersey Mike <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/jiffy-lube\/\">Jiffy Lube <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/kfc\/\">KFC <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/keller-williams-franchise\/\">Keller Williams franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/kiddie-academy-franchise\/\">Kiddie Academy franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/kona-ice-franchise\/\">Kona Ice franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/kumon-franchise\/\">Kumon franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/llc-loans\/\">LLC loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/large-business-loans\/\">Large business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/loans-to-buy-a-retiring-business\/\">Loans to buy a retiring business <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/low-interest-business-loans\/\">Low interest business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/management-buyouts\/\">Management buyouts <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/manufacturing-equipment-financing\/\">Manufacturing equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/marcos-pizza\/\">Marco&#8217;s Pizza <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/matco-tools\/\">Matco Tools <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/material-handling-equipment-finance\/\">Material handling equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/mcdonalds-franchise\/\">McDonald&#8217;s <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/medical-equipment-finance\/\">Medical equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-leasing\/medical-equipment-leasing\/\">Medical equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/mezzanine-finance\/\">Mezzanine finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/middle-market-loans\/\">Middle market loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/mini-digger-finance\/\">Mini digger finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/minuteman-press\/\">Minuteman Press <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/miracle-ear\/\">Miracle-Ear <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/molly-maid-franchise\/\">Molly Maid franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/no-collateral-business-loans\/\">No collateral business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/no-credit-check-business-loans\/\">No credit check business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/no-doc-business-loan\/\">No doc business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/novus-glass\/\">Novus Glass <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/office-fit-out-finance\/\">Office fit out finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/once-upon-a-child\/\">Once Upon a Child <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/openworks-franchise\/\">OpenWorks franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/asset-based-lending\/operating-lease\/\">Operating leases explained: What are they? How do they work? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/papa-johns\/\">Papa John&#8217;s <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/paris-baguette\/\">Paris baguette <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/paypal-business-loans\/\">PayPal business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/payroll-loans\/\">Payroll loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/personal-loans-for-business\/\">Personal loans for business <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/pet-supplies-plus-franchise\/\">Pet Supplies Plus franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/pirtek-franchise\/\">Pirtek <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/pizza-hut\/\">Pizza Hut <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/popeyes\/\">Popeyes franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/purchase-order-financing\/\">Purchase order financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/re-max-franchise\/\">Re\/Max <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-leasing\/restaurant-equipment-leasing\/\">Restaurant equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/revenue-based-financing\/\">Revenue-based financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/right-at-home\/\">Right at Home <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/saas-finance\/\">SaaS finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/same-day-business-loans\/\">Same-day business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/school-of-rock-franchise\/\">School of Rock franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/secured-business-loans\/\">Secured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/secured-vs-unsecured-business-loans\/\">Secured vs. unsecured business loans \u2013 what\u2019s best for my business? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/self-employed-loans\/\">Self-employed business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/seller-financing\/\">Seller financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/semi-truck-financing\/\">Semi-truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/senior-debt\/\">Senior debt <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/servpro-franchise\/\">Servpro franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/short-term-loans\/\">Short-term business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/signal\/\">Signal <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/signarama\/\">Signarama <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/small-business-loans\/\">Small business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/smoothie-king\/\">Smoothie King <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/snap-on-tools\/\">Snap-on Tools <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/solar-equipment-financing-for-businesses\/\">Solar equipment financing for businesses <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/sports-clips\/\">Sports Clips <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/startup-equipment-finance\/\">Startup equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/stratus-building-solutions-franchise\/\">Stratus Building Solutions franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/subordinated-debt\/\">Subordinated debt <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/subway-franchise\/\">Subway franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/supercar-finance\/\">Supercar finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/supply-chain-finance\/\">Supply chain finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/taco-bell-franchise\/\">Taco Bell franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/technology-equipment-financing\/\">Technology equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/term-loans\/\">Term loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/tim-hortons-franchise\/\">Tim Hortons franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/tractor-finance\/\">Tractor financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/tractor-trailer-finance\/\">Tractor trailer financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/transworld-business-advisors\/\">Transworld Business Advisors <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/tropical-smoothie-cafe\/\">Tropical Smoothie Caf\u00e9 <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/two-men-and-a-truck-franchise\/\">Two Men and a Truck franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/collateral-for-business-loan\/\">Types of collateral you can use to secure a small business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/ucc-loans\/\">UCC Loans: What They Are, How They Work, and Who Uses Them <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a 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href=\"https:\/\/swoopfunding.com\/us\/business-loans\/what-is-business-loan-collateral\/\">What is business loan collateral <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/wild-birds-unlimited\/\">Wild Birds Unlimited <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/wingstop\/\">Wingstop <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/working-capital-loans\/\">Working capital loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/franchise-finance\/ubreakifix-franchise\/\">uBreakiFix franchise <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-factoring\/factoring-vs-accounts-receivables\/\">\u200b\u200bAccounts receivable 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Join Swoop Key Takeaways Collateral is an asset pledged to secure a loan, helping reduce lender risk and potentially improving loan terms. Common collateral includes property, equipment, inventory, or invoices; not all loans require it. Alternatives without collateral include equipment financing, merchant cash advances, credit cards, crowdfunding, and external investment. [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":0,"parent":19615,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-38081","page","type-page","status-publish","hentry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>What is business loan collateral? Join Swoop Key Takeaways Collateral is an asset pledged to secure a loan, helping reduce lender risk and potentially improving loan terms.Common collateral includes property, equipment, inventory, or invoices; not all loans require it.Alternatives without collateral include equipment financing, merchant cash advances, credit cards, crowdfunding, and external investment. See Andrea&#8217;s profile Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 2, 2026. Next review due October 1, 2027. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/us\/author\/chris-godfrey\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/38081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/comments?post=38081"}],"version-history":[{"count":13,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/38081\/revisions"}],"predecessor-version":[{"id":45357,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/38081\/revisions\/45357"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/pages\/19615"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/media?parent=38081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}