Easy answer: some of us own a lot of cash properties, i.e. unleveraged.

,My name is Jason and I looking to get more education on the options, requirements, and overall strategy for obtaining unsecured business credit as capital for investment in real estate.

He stated you could use a retirement account as collateral for an unsecured loan.  

At each bank I obtained an UNSECURED LINE OF CREDIT.

Other options might include: getting an unsecured personal loan to cover the $20k, persuading a friend or family member to loan me the money, or cobbling together the money from random sources like credit card convenience checks and maybe a Lending Club loan.Problem is, while my credit is good and I have a decent amount of cash to work with, my income is low-ish and comes from four (!)

Notes can be unsecured, secured and convertible.  

I could make an argument that real estate requires less, because peer-to-peer notes are unsecured and real estate notes are secured by the underlying real estate.

@Jesse HargroveThe transaction itself - issuing a note (secured or unsecured) to a business - is absolutely something an IRA can do.The question would be who the borrower is.  

What secured debt is in front of your 100k unsecured?   

Of course you can do that secured or unsecured.