Guides
Business financing guides
Answers to the questions borrowers ask most — then the next step: pre-qualify, estimate or apply.
Guides
Unsecured business financing
Business loans without collateral: unsecured financing underwritten on cash flow
Unsecured business loans from USD 50,000 underwritten on revenue and cash flow, not property. How collateral-free financing works, who qualifies and how fast it closes.
Project finance for infrastructure
Project finance for infrastructure: how long-tenor debt is structured
How infrastructure project finance works: non-recourse and limited-recourse debt, tenors up to 25 years, DSCR sizing and what sponsors need for a term sheet. USA, Europe, Australia & Asia.
Asset finance vs term loan
Asset finance vs term loan: which should your business use?
Asset finance vs a business term loan compared: security, amount, tenor, cash flow and tax treatment. When to fund equipment with asset finance and when a term loan is better.
Approval timelines
How long does business loan approval take?
Realistic business loan approval and closing timelines: what happens at each stage and why Westford typically closes facilities under USD 10M in less than 14 days.
$1M+ commercial financing
Commercial financing of USD 1 million and above
Commercial financing above USD 1 million: unsecured, asset-backed and project structures, what lenders review and how Westford closes facilities under USD 10M in under 14 days.
Comparisons
Compare · SBA loans
SBA loans vs private commercial financing: an honest comparison
An honest comparison of SBA 7(a)/504 loans and private commercial financing from Westford: eligibility, amounts, speed and when the SBA route is the better choice.
Compare · private credit funds
Private credit funds vs direct commercial lending
How private credit funds compare with direct commercial lending from Westford: deal size, flexibility, documentation, speed and when each fits mid-market borrowers.
Compare · invoice factoring
Invoice factoring vs a working-capital line
Invoice factoring vs a revolving working-capital line or unsecured business loan: cost, customer contact, control and when each works for cash-flow gaps.