# Non-Recourse Loans

> Plain-English education on recourse vs. non-recourse vs. limited-recourse financing — non-recourse commercial real estate and DSCR loans, SBA loans, revenue-based financing, merchant cash advances, equipment financing, asset-based lending and startup funding — plus a simple way to connect with a lender in your ZIP code. Educational only — not financial or legal advice.

Non-Recourse Loans is an independent directory. People describe what they are looking for; the platform matches them with independent lenders. Content is educational only — not professional advice. Part of the R0cketShip network.

## Explore
- [Recourse vs. non-recourse loans](https://nonrecoursloans.com/explore/recourse-vs-non-recourse): The core distinction every borrower should understand before signing.
- [Personal guarantees & carve-outs](https://nonrecoursloans.com/explore/personal-guarantees-carve-outs): What a personal guarantee is, and the carve-outs that can still put personal assets at risk.
- [Non-recourse commercial real estate & DSCR loans](https://nonrecoursloans.com/explore/non-recourse-cre-dscr): How non-recourse CRE and DSCR financing is structured and underwritten.
- [SBA loans & personal guarantees](https://nonrecoursloans.com/explore/sba-loans-cluster): Why SBA loans almost always require a personal guarantee, and how that compares with other options.
- [Revenue-based financing](https://nonrecoursloans.com/explore/revenue-based-financing-cluster): How revenue-based financing works and who it tends to fit.
- [Merchant cash advances](https://nonrecoursloans.com/explore/merchant-cash-advance-cluster): What a merchant cash advance is, what it really costs, and the risks to weigh before signing.
- [Equipment financing & asset-based lending](https://nonrecoursloans.com/explore/equipment-asset-based-lending): Financing secured by equipment, receivables or inventory instead of a blanket personal guarantee.
- [Startup & small business funding options](https://nonrecoursloans.com/explore/startup-funding-cluster): The landscape of funding options for new and growing businesses, and which ones avoid a personal guarantee.

## Specialties
- [Non-recourse commercial real estate loans](https://nonrecoursloans.com/modalities/non-recourse-commercial-real-estate): non-recourse CRE acquisition loans, non-recourse refinance loans, CMBS non-recourse loans
- [DSCR & rental property loans](https://nonrecoursloans.com/modalities/dscr-loans): DSCR rental loans, multifamily DSCR loans, non-recourse DSCR structures
- [SBA loans](https://nonrecoursloans.com/modalities/sba-loans): SBA 7(a) loans, SBA 504 loans, SBA microloans
- [Revenue-based financing](https://nonrecoursloans.com/modalities/revenue-based-financing): revenue share agreements, royalty-based financing, growth capital tied to monthly revenue
- [Merchant cash advances](https://nonrecoursloans.com/modalities/merchant-cash-advances): merchant cash advances, receivables purchase agreements
- [Equipment financing](https://nonrecoursloans.com/modalities/equipment-financing): equipment loans, equipment leases, sale-leaseback financing
- [Asset-based lending](https://nonrecoursloans.com/modalities/asset-based-lending): accounts receivable financing, inventory financing, asset-based lines of credit
- [Startup & new business funding](https://nonrecoursloans.com/modalities/startup-funding): startup funding options, alternative lending for pre-revenue businesses, first-time business financing

## Who we help
- [Commercial real estate investors](https://nonrecoursloans.com/for/real-estate-investors): non-recourse commercial real estate or DSCR financing that limits personal liability
- [Startup founders](https://nonrecoursloans.com/for/startup-founders): startup funding options with limited personal risk
- [Small business owners](https://nonrecoursloans.com/for/small-business-owners): working capital without pledging personal assets
- [Contractors & equipment buyers](https://nonrecoursloans.com/for/contractors-equipment-buyers): equipment financing secured mainly by the equipment itself
- [Business owners considering an SBA loan](https://nonrecoursloans.com/for/sba-loan-seekers): to understand SBA personal guarantee requirements before applying
- [Business owners weighing a merchant cash advance](https://nonrecoursloans.com/for/mca-alternative-seekers): to understand MCA risks and lower-cost alternatives before signing
- [Asset-rich business owners](https://nonrecoursloans.com/for/asset-rich-business-owners): asset-based lending against equipment, inventory or receivables

## Key pages
- [Topics A–Z](https://nonrecoursloans.com/topics)
- [Answers](https://nonrecoursloans.com/answers)
- [FAQ](https://nonrecoursloans.com/faq)
- [Full knowledge base](https://nonrecoursloans.com/llms-full.txt)
- [HTML sitemap](https://nonrecoursloans.com/sitemap)
- [Get matched](https://nonrecoursloans.com/find)
- [Lenders](https://nonrecoursloans.com/providers)
- [Programs & events](https://nonrecoursloans.com/events)
- [For lenders](https://nonrecoursloans.com/for-practitioners)
- [Safety](https://nonrecoursloans.com/safety)