If you have a business and need to raise money these days it may be very difficult. Unsecured loans are very difficult...but if you have decent credit you can do a lease back with equipment. 100k and you would have to pay say a 5 year note off - but you would get back 80k in cash. Yes of course expensive but if you have a business or an idea for a project that will make money - its a great idea...where else can one raise 100-500k with no income verification. If say someone used 200k and got back 160k - if the 160k returned them a nice profit or allowed them to build/develop an idea/business/project it is a very creative way to raise "unsecured" capital...