Please read the disclaimer below concerning the views expressed in contributions from guest contributors. If they do that then ask these questions and make sure you do your due diligence because chances are they will not truly be offering you unsecured financing no matter what they want to call it. “We have been in business for 5 years and never had to take out a loan, but last year our landlord increased rent and removed affordable heating. Lastly, I want to leave you with something even if we never talk to you or if you find other ways to solve your financing needs and we never get to work with you. Member FDIC. It provides the fast access to cash and payment flexibility associated with a traditional credit line but without all the drawbacks. You can learn more about these products by viewing the How It Works page on our site.