Small business funding that grows with you

Small businesses are the backbone of the U.S. economy, yet many struggle to get a straight answer from traditional banks. Westford offers small business funding from USD 50,000 with a named deal officer, published indicative rates and decisions grounded in how your business actually performs.

You can combine products: an unsecured loan for growth, a working capital line for day-to-day liquidity and asset finance for equipment. We help you choose the mix that keeps repayments comfortable.

What you can use it for

• Opening a new location
• Buying equipment or vehicles
• Hiring key staff
• Refinancing merchant cash advances
• Bidding on larger contracts

Who qualifies

Small and mid-size businesses across the United States with steady revenue and reviewable financial records.

How the facility is structured

• Loans from USD 50,000
• Unsecured and secured options
• Terms from 12 to 120 months
• Transparent, published APR ranges

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

What is the smallest loan you offer?

USD 50,000.

Can I refinance a merchant cash advance?

Often, yes. Refinancing high-cost MCAs into a term loan can significantly lower your cost of capital.

Do I need a business plan?

For established businesses, financial statements are usually enough; startups should include a plan and projections.