Take advantage of an 85%approval rate!

Let's match you with a tailored small business loan.

Small Business Loans

Access to lines of credit, SBA loans, term loans, and more - all without impacting your credit score.

Heavy Equipment Financing

Optimize your performance and integrate new heavy equipment with fully funded solutions -leverage flexible capital today with no upfront payment required.

Medical & Office Equipment

Maximize your facility's potential with specialized healthcare financing. Fund new office locations or renovations. Upgrade medical technology and equipment with no upfront payment required.

Unsecured Business Capital

Turn your revenue into growth. Accessible unsecured working capital is the fastest way to fund daily operations-covering everything from inventory to payroll-so you can expand your business without the traditional lending hurdles and lengthy approval process.

Your Path To Business Funding

From $1M project loans to construction and operating capital, securing the right funding has never been more accessible. By leveraging a broader range of qualification criteria, we can offer more flexible terms than traditional banks.

While traditional benchmarks like credit and time-in-busines still play a roll, we take a holistic view of your financials-and not just your credit score. Whether you're a new venture or an established firm, our streamlined process helps you skip the red tape and access the tailored capital you need to scale.

What is Unsecured Business Capital

Unlike a traditional loan with rigid monthly payments, unsecured business/working capital is a purchase of your future sales. We provide upfront capital today in exchange for a small, fixed percentage of your daily revenue.

Why it works for you:

Cash-Flow Friendly: Your payments fluctuate with your sales. If business slows down, your payment amount automatically drops.

No Collateral Required: We look at your business’s health and revenue, not your personal assets or perfect credit.

Bridge the Gap: It acts as a "bridge," giving you the liquidity to cover payroll, buy bulk inventory, or handle emergencies without the wait times of a bank.

Apply for Unsecured Business Capital

Working Capital Details

Max Funds $5K - $25M
Time 3 - 24 Months
Factor Rate 1.10 - 1.45
Funding as fast as same day

Average Requirments

Annual Revenue - Over $200K
Credit Score - Over 500
Time in Business - 6+ Months
Industry - Applicable to any

Documents Required to Apply

Completed Application
Driver's license
Voided Business Check
Last 4 months Business Bank Statements
Credit Score

*You may also be requested for additional documentation for larger dollar amounts over $100K

Kovos Capital provides access to premium working capital through our strategic partnership with Upwise Capital. Kovos Capital is a business consulting and brokerage firm, not a direct lender. Funding is provided by third-party partners. By submitting your information, you consent to receive SMS and email communications from Kovos Capital. Msg & data rates may apply. Reply STOP to opt-out.