Since the increase in salaries will also lead to an increase in profits, it’s fairly safe for a bank to loan money to pay the personnel. These loans are quite common but are usually offered with some kind of security in place. Unsecured personnel loans are a lot more rare but also are offered from time to time. A person with excellent credit may be able to get a signature loan for personnel, but this won’t be possible for most business owners that have poor credit. For this reason, personnel loans for bad credit are usually outside the normal realm of possibility.