Unchained Capital review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Unchained Capital is a US lender for secured and business loans at 14.18%, with a credit check of none and a 12 term. It suits commercial borrowing against property at amounts well above the €1,315.44 median for business loans on the site.

Key facts

Best for
Large secured and business loans for entities, sole proprietorships, trusts and individuals across most US states.
APR
14.18% (Source, checked September 26, 2026)
Loan amount
$150,000 (Source, checked September 26, 2026)
Term
12 months (Source, checked September 26, 2026)
Arrangement fee
2.00% of loan principal (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Funds arriving in as little as two business days (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Commercial loans in most U.S. states for entities, sole proprietorships, trusts and individuals; minimum $150,000 ($1,000,000 in Vermont, $500,000 for non-entities elsewhere) (Source, checked September 26, 2026)
Origination fee (%)
2% (Source, checked September 26, 2026)
Loan types
Secured, Business (Source, checked September 26, 2026)
Legal entity
Unchained Capital, Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
unchained.com

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInXcrunchbase.com

Pros and cons

Pros

  • Lends as a direct lender, so the quote and the contract come from the same firm.
  • A credit check of none takes bureau scoring out of the decision.
  • Early repayment is free, so clearing the 12 term sooner costs nothing.
  • Funds arriving in as little as two business days once terms are agreed.

Cons

  • An origination fee of 2.00% of loan principal is added to every loan.
  • The 12 term is short next to the site median business term of 42 months.
  • 14.18% sits above the 12% APR median across lenders here.
Unchained Capital

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Entities, sole proprietorships, trusts and individuals in most US states who need a large commercial loan.
  • Borrowers whose files do not clear bureau checks, since credit checks run none.
  • Anyone expecting lump-sum income or a future asset sale, because early repayment is free.

Who should look elsewhere

  • Personal-loan borrowers, who should read Sofkredit, where rates run 10.74% to 18.06%.
  • Readers who want a published rate spread, since Solcredito MX lists 9.5% to 3,696%.
  • Borrowers after a small sum, such as those Creduma ES covers, at from €12,000.

How your money is protected

Unchained Capital is a direct lender, so you deal with the firm that issues the loan rather than an intermediary. It is listed in the US National Mortgage Licensing System as NMLS ID 2423070, and in California under the Department of Financial Protection and Innovation as Financing Law License No. 60DBO-78867.

The company behind it

The lender is Unchained Capital, Inc., based in the US and trading since 2016. Support runs on email, phone and help centre, so phone, email and written help are all available. The same US registrations, the NMLS record and the California licence, sit behind the firm you sign with.

How Unchained Capital compares

Where Unchained Capital is available

Available
United States
Licence in United States
NMLS (US National Mortgage Licensing System) (NMLS ID 2423070), checked September 26, 2026
Licence in United States
California Department of Financial Protection and Innovation (Financing Law License No. 60DBO-78867), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Unchained Capital charge?+

Loans are priced at 14.18% and the rate is fixed across the 12 term, so it does not reset part way through. The structure is listed as fixed rate. For context, the APR median across lenders on the site is 12%.

What will the fees be?+

There is an origination fee of 2.00% of loan principal, equal to 2% of the amount borrowed, and that is the cost to weigh. Early repayment is free, so paying the loan off before the 12 term ends adds no charge.

Does Unchained Capital run a credit check?+

The credit check is none, so a bureau score is not part of the decision. That suits files that stall on bureau data. Worth weighing the other side of it: lenders running a hard credit check make up 72.7% of the site.

How much can I borrow, and for how long?+

The headline amount is $150,000 and the listed term is 12, which is short next to the site median business term of 42 months. The amount also sits well above the €1,315.44 median business loan here.

How fast can the money arrive?+

Funds arriving in as little as two business days once terms are agreed, which is quick for secured commercial lending. Speed matters most when a purchase or a closing date is fixed and there is no room to wait for a release of funds.

Who can apply?+

The loans go to entities, sole proprietorships, trusts and individuals in most US states, and the minimum amount changes by state and by borrower type. Entity borrowers clear the lowest bar, so a new company is likelier to qualify than an individual.

Is the lender regulated?+

It appears in the US National Mortgage Licensing System as NMLS ID 2423070 and in California under the Department of Financial Protection and Innovation as Financing Law License No. 60DBO-78867. You contract with Unchained Capital, Inc. itself.

Sources

  • help.unchained.com/account-security checked September 26, 2026

    Backs: Support channels

    “For further support, contact us at: Phone: +1 844-486-2424 | Support email: hello@unchained.com”

  • help.unchained.com/is-my-state-eligible-for-a-loan checked September 26, 2026

    Backs: Eligibility, Loan types

    “We offer wide coverage across most U.S. states for commercial loans. Minimums vary by state and account type.”

  • unchained.com checked September 26, 2026

    Backs: Founded, Headquarters

    “foundingDate: 2016”

  • unchained.com/loans checked September 26, 2026

    Backs: Funding time, Legal entity, Lender type, Pricing model, Rate type, Licences

    “Approvals are fast, with funds arriving in as little as two business days.”

  • unchained.com/pricing checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Free early repayment, Arrangement fee, Origination fee (%), Term

    “Commercial Loans ... $150,000 min. loan amount”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Unchained Capital

Unchained Capital

Large secured and business loans for entities, sole proprietorships, trusts and individuals across most US states.

9.0/10See alternatives

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