Borrowers searching for a business loan without collateral usually ask the same thing: what replaces the asset? The answer is evidence that the business can repay from its own cash flow.
Debt service coverage
We look for operating cash flow that covers proposed and existing debt service with a cushion — typically 1.25x or better. Management accounts that reconcile to bank statements make this quick to confirm.
Revenue quality and concentration
Recurring or contracted revenue, and no single customer above roughly a third of sales, materially improve unsecured appetite.
Existing debt
A clean debt schedule — lenders, balances, maturities, security — avoids the most common delay we see.
Next step
Westford's unsecured term loans run from USD 50,000 to USD 1M and unsecured lines to USD 2.5M for qualifying businesses. Pre-qualify first to see where you stand.
Figures are indicative and do not constitute advice or an offer of credit.
Ready to fund your next project?
Eligibility check and indicative term sheet, with fees set out in writing.
