Business loans for U.S. companies, from $50,000 to $200 million

Westford Capital Group is a commercial lender headquartered in Asheville, North Carolina, providing business loans to companies in all 50 states. Whether you are a founder-led firm expanding into a second location or an established operator refinancing a portfolio of equipment, we size each facility to your cash flow rather than forcing you into a one-size product.

Facilities start at USD 50,000 and scale to USD 200 million for project-level transactions. Every application is reviewed by a named deal officer, and indicative terms are typically issued within days of receiving complete financials.

What you can use it for

• Expansion into new locations or markets
• Refinancing higher-cost debt
• Purchasing equipment, vehicles or real estate
• Acquisitions and management buyouts
• Bridging seasonal revenue gaps

Who qualifies

U.S.-registered businesses with at least two years of trading history, reviewable financial statements and a clear repayment source. Startups with contracted revenue are considered case by case.

How the facility is structured

• Term loans of up to 10 years with fixed or floating rates
• Optional collateral — unsecured structures available up to USD 1M
• Interest-only periods aligned to ramp-up
• No prepayment penalties on most SME facilities

How to apply

1. Apply online in about ten minutes with basic company and project details.
2. A named deal officer reviews your application and requests supporting documents.
3. Receive an indicative term sheet outlining amount, rate, tenor and conditions.
4. Complete due diligence, sign the facility agreement and draw down funds.

Ready to start? Submit your application, check the eligibility checker, or review current indicative rates. Westford never requests upfront fees by wire, gift card or crypto — see our scam warning.

Frequently asked questions

How much can a U.S. business borrow?

Business loans range from USD 50,000 to USD 5 million on our core product, and up to USD 200 million for project and infrastructure finance.

Do you lend in every U.S. state?

Yes. We are based in Asheville, NC and finance commercial borrowers across the United States, subject to applicable state law.

How fast can I get funded?

Indicative terms usually follow within 3–5 business days of a complete application; funding timelines depend on diligence and documentation.