Yes. Revenue-based business funding does not require collateral — no property, no equipment pledged, no assets valued. It is underwritten against your bank deposits instead. Most agreements do include a personal guarantee, which is a promise to repay rather than a specific asset put at risk.
What replaces collateral
Cash flow. Where a secured loan asks what could be sold if things went wrong, revenue-based funding asks whether the deposits can support the payment. That is why four months of statements do the work a valuation would otherwise do — and why the process takes days rather than weeks.
Personal guarantee and UCC filings, explained
A personal guarantee makes the owner personally responsible for repayment. It is standard and is not the same as pledging your house — no specific asset is named or attached.
A UCC-1 filing is a public notice of an interest in business assets. It is routine, it is not a lien on personal property, and it will be visible to other funders — which is one way existing obligations come to light.
When collateral is worth offering anyway
Equipment financing is secured by the equipment itself, which is why it prices lower and runs longer than unsecured funding. If the money is for a specific asset, securing it against that asset is usually the cheaper route — contractors weighing rent versus ownership will find the full maths in our contractor equipment guide. Real-estate-backed and SBA options work the same way: more security, better pricing, slower process.
Unsecured and secured, side by side
Unsecured revenue-based funding: no asset pledged, decided on deposits, days to arrange, priced highest, term usually under 18 months.
Equipment financing: secured by the equipment, needs a supplier quote, about a week, priced considerably lower, term matched to the asset's useful life.
SBA and term loans: may involve collateral and personal guarantees, need tax returns and financials, weeks to months, priced lowest of the three.
The pattern is consistent — the more security and documentation you provide, the less it costs and the longer it takes. Choosing between them is really a question of how urgent the need is and whether there is an asset worth securing against.
Read next: Equipment financing · SBA & term loans · Invoice factoring
Checking what you qualify for takes about 60 seconds, uses a soft credit pull only, and costs nothing. Start an application or request a callback if you would rather talk it through.