Do all business loans for retail stores require collateral?

Quick Answer: No, QuicLoans provides unsecured business loans for retail stores. Your inventory, equipment, and property stay separate from the loan.

QuicLoans doesn't require collateral. Your retail store qualifies based on revenue performance, not what assets you're willing to risk. Your inventory, equipment, fixtures, and property stay completely separate from your funding.

Banks demand collateral because they make every effort to reduce their own risk to zero. They want a lien on your assets as backup in case things go wrong. QuicLoans looks at performance instead. If your retail store is depositing $10K+ monthly and has been in business for at least 3 months, you qualify without putting anything up.

Unsecured funding means:

Faster approval. No appraisals, title searches, or legal documentation on your assets. Just demonstrate your store is generating consistent revenue.
Nothing at risk. If something goes wrong, your assets can't be seized. Your location stays secure. Our funding is structured around your cash flow, not your property.
Full control. Sell inventory, upgrade equipment, or relocate without needing lender permission. Your business stays completely under your control.

Most retail stores prefer unsecured loans for exactly this reason. You get the capital you need without betting the business. Get approved and funded in hours based on your bank statements, and keep full control of your assets and business while you grow.

Looking for more retail funding information? Explore all retail business loans →

America's Retail Funding Powerhouse

Years

In Business

$100M+

Funded

To SMB's

10k+

Businesses

Funded across the U.S.

We're More Than Just Speed

These advantages make a QuicLoans loan the smart choice. When funding works for you, it’s just common sense.

Quick Funding
Fast isn’t a feature, it’s the foundation. Our quick business loans deliver funds in as little as 3 hours, without the usual friction.

You get working capital exactly when you need it.
Learn more →
Unsecured
No collateral required. We approve based on business strength, not what you’re willing to risk.

Your property, equipment, and assets stay separate.
Learn more →
Tax Deductible
Interest on business loans is almost always tax deductible, which means your cost of capital could be lower than you think.

You retain capital and reduce the true cost of borrowing.
Learn more →
No Personal Credit Impact
We don’t report to personal credit. Your business is the borrower, the way it should be.

Your credit report stays unaffected for mortgages, refis, auto loans, and more.
Learn more →

82%

of small businesses fail due to lack of cashflow, not lack of demand.

— 2024 U.S. Bank study

Take the Stress Out of Loan Shopping

Getting a quick business loan for your store should be straightforward. We've brought common sense back to the process, and cut out the worst parts.

Banks Don’t Move Fast Enough
You need funds now. Not a drawn-out process that doesn’t care if your inventory just arrived late or you’ve got a lease payment due.
Learn more →
Bad Credit Doesn’t Equal a Bad Business
We approve businesses, not people. If you're moving product and bringing in revenue, we’ll focus on your performance, not just your FICO score.
Learn more →
Brokers Never Seem to Deliver
Many charge upfront fees, bait and switch the terms, overpromise results, then vanish when things get hard. We don’t.
Learn more →
Have a Loan Already? Most Stores Do
We’re comfortable working around existing financing. If your retail shop brings in steady revenue, we’ll show you what’s still possible.
Learn more →

71%

of small employer firms report some form of outstanding business debt

- Federal Reserve Bank

10,000+ Businesses Have Trusted QuicLoans

We do it the right way. No pressure, no endless calls. Just smart, fast funding from people who know what they’re doing.

WE KNOW THE TERRAIN

We’ve guided thousands through this before. We’ll get you through clean.

ALWAYS UPFRONT

Clarity when you need it most, from a team that values your time and trust.

DONE FAST & RIGHT

Organized. Deliberate. Built to deliver without chaos or guesswork, every time.

PARTNERS NOT PROSPECTS

We treat every transaction as an opportunity to earn your next one.

Apply in Minutes

Your Retail Shop’s Next Move Starts Here

You’re ready to solve your problem. We’re ready to fund you.

Start My Application

Do all business loans for retail stores require collateral?

Related Questions

How do I get a business loan for retail inventory?

Can I get a business loan for my retail store if I already have financing?

Can my retail store get a quick business loan if I have bad credit?

How fast can my retail store get a quick business loan?