No — you do not need to pledge real estate, medical equipment, or other assets to qualify for our business loans. Our working capital solutions are unsecured and based primarily on your monthly revenue, time in business, and credit score. As long as you meet our minimum requirements (450+ FICO, 3+ months in business, $10K+/month deposits), you can access fast, flexible funding without risking personal or business property. This keeps your balance sheet clean while still giving you the capital you need to grow.