Depending on the purpose of your need for an unsecured commercial loan, there may be alternatives that you can consider. If your purpose is to cash shortfall as a result of your customers taking too long to pay your invoices, Invoice Lending also known as Debtor Funding may be suitable. If you need a loan to pay a large insurance premium, Insurance Premium Funding is a loan type which is specifically developed for that purpose. If your lending need is for ongoing, short term or general cash flow shortages then an overdraft may suit. Most organisations will approach a bank for an overdraft. When a bank rejects a request for an overdraft there is an alternative available through non-bank lenders the Non-Bank Commercial Overdraft.