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Small Business Loans for Unemployed and Self-Employed Applicants

Lenders today are very strict with their requirements. In order to get a loan, you must have a stable monthly income so that you can repay your loan. A lot of us has the need to get a loan, and it its because that our salary is not enough to save more money in our bank accounts. Mostly, our monthly income just go straight to bills, expenses, and other debts. But what of you don’t have a job and you need to get a loan? Is that even possible?

Applying for a loan requires to have a good credit score, your debt-to-income ratio, some of your bank statements and your employment status. However, you can still apply for a loan and get accepted even if you don’t have a job as long as you can prove to the lenders that you have other source of income such as business or benefits from the government. Sometimes, it is hard and challenging to convinced the lenders that you are eligible for the loan and have the capacity to repay it. But if you can prove them that you are capable of repaying your loan then they might give their trust. 

If you’re a student, then that’s not a problem. Lenders will understand that you don’t have a job yet that’s why they offer a student loan. But if you’re an adult with no job, then you could ask a help from your parents or your friends that you’ve known for such a long time and that has a big trust on you to be your guarantor on a loan.  And they will be the one who’s responsible to pay your loan if you can’t afford to repay it. Besides, getting a small amount of loan with no job could be a least problem since it will not hurt your pocket or put you into deeper debt.

Best Companies for a Business Loan

Are you looking for a loan? A lot of us need some extra cash sometimes. Getting a credit card might be costly and usually have high interest rates. Another thing is that, if we have credit cards then we could get tempted all the time because it is very common nowadays to have it. So, some people would rather choose to get a personal loan than getting a credit card. But what are the best loan companies today? 

Marcus by Golden Sachs

• Marcus by golden sachs offers loan from $3,500 to $40,000 with no origination fee, prepayment fee and late fees, but of course you should always keep your repayments on time. They also offer low interest rates that range from 6.99 APR to 24.99 percent APR and loans and with terms from three years to six years.

SoFi (Social Finance)

• SoFi offers student loans, wealth management and life insurance products amounting to $5,000 to $100,000 with terms of 3, 4, 5, 6 or 7 years and interest rates that range from 6.99 to 14.99 percent.


• Prosper is composed of  individual investors who joined forces to fund your loan. They offer loan amounts from $2,000 to $40,000 with interest rates that range from 6.95 to 35.99 percent APR which is quite higher than other lender’s interest rate.


• Lending Club is one of the best-known marketplace lenders and doesn’t offer traditional loans. They offer interest rates that ranges from 6.95 to 35.89 percent APR. They offer loans for up to $40,000 which you will receive in just three days. One of the downside if you choose lending club is they charge origination fee which is one to six percent of the loan amount based on your credit score.

Best Egg

• Best egg is an online lender that offers loans from $2,000 to $35,000 with interest rates that range from 5.99 to 29.99% with terms three to five years.Like other lender they also charges an origination fee ranging from 0.99 to 5.99%  of the loan amount. They require borrowers a minimum credit score of 640 so this is good only for those who have an average to excellent credit score.

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Frequently Asked Questions

Must I Have a Guarantor?

In most cases, lenders would require borrowers to provide a guarantor if their credit is not good. Since unsecured loans are only backed by the borrower’s creditworthiness, the risk is higher. However, if your credit is good, lenders would be okay even without a guarantor present.

How Do I Apply?

All you need to do is to click “Apply Now” and follow the instructions provided. You will be asked to provide your information on a form available at the lender’s website. Once you have filled up the form, send it back to start your application. It would only take minutes for you to complete the process.

What’s In It For Us

Having access to instant cash transfers includes a lot of perks. Imaging dealing with an emergency and without cash, things could go from bad to worse. Whatever situation you’re dealing with, using this service has its advantages. Got into an accident? Get a loan and have the funds you need instantly. Got stuck somewhere? All it takes is a push of a button.

How Long Does It Take To Get Paid Out?

The entire process would only take at least 15 minutes. Once you’re approved for the loan, the funds you have requested will be deposited to your account instantly. There’s no need to wait hours to get the funds you need. It’s fast, simple, and highly reliable.

What Products Can You Help Me With?

We’ve got plenty of options for you to choose from. We have a wide range of loan selections that are perfect for any occasion. Whether you want to apply for a payday loan, personal loan, or even short-term business loan, it is readily available for you. All you need to do is to press “Apply” to get started.

What Happens If I Lie On My Application?

It is not recommended to lie on your application. Lying would result to serious consequences. Once a lie is caught, the lender has the full right to reject your application entirely. You may also face criminal charges if you’re caught falsifying documents or taking someone’s identity.

What Happens If I Miss Payments?

We understand that things could happen that prevents you from paying on time. If you find yourself having problems with your repayment, reach out to us to find more convenient ways to deal with your debt. Refusing to pay your loan would severely affect your credit and may cost you additional fees and charges.

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Paid Into Your Account

You don’t have to visit banks or lending centers just to get your money. Once your application has been approved, the funds you requested are immediately and automatically deposited to your checking account.

Credit Problems

Is your credit keep holding you down? Not anymore. Applying for an unsecured loan such as payday loans require no minimum credit. As long as you can pay off the loan on time, your credit problem is not a problem.