What Are the Bank Statement Loan Requirements in North Carolina? PNC offers small businesses an unsecured business loan with no collateral required.Secure loans with littletono docs required. Clarify offers a streamlined funding process that make things easy. The NC SAFE Act requires licensure or registration for individuals and companies who engage in the mortgage business or process and underwrite mortgage loans. Yes, you can get a business loan without putting up collateral. SBA loans, online lenders, and even some banks offer unsecured loans. I wanted to open a smoke shop in my small town in NC. I do not have the capital to start it outright so will need a loan. To add, I have to proof of income. Small business financing in North Carolina involves several key steps.