Financing without pledges
Business Loans Without Collateral
The state guarantee enables businesses to obtain financing even without full collateral — the professional file and business plan take center stage.
How it works
Instead of asset pledges, the lender relies on the fund's guarantee and the quality of the file.
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The fund's guarantee replaces the need for full collateral
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Emphasis shifts to the business plan and repayment ability
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The loan is granted by the lender, not by us
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Final terms are set by the financing institution
Who is it for
Businesses without assets to pledge but with stable activity and a growth plan.
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Service and trade businesses without heavy inventory
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Young businesses at the start of their journey
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Companies preferring not to pledge assets
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Self-employed with proven activity history
What we prepare for you
A file whose strength is in its content — so missing collateral won't stand in your way.
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Detailed business plan with cash-flow forecast
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Conservative, reasoned repayment analysis
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Arranging all required documents
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Guidance vis-a-vis the lender until an answer
Approval, amount and terms of the loan are at the sole discretion of the lender and the fund.
No collateral? That's not the end of the road
We'll check whether your business fits a no-collateral track — free and without obligation.