Unsecured working capital
Unsecured working capital: a revolving line sized to your revenue
Revolving unsecured working-capital lines up to USD 2.5M, sized to revenue. Draw, repay and redraw without pledging assets. How it works and who qualifies.
A working-capital line smooths the gap between paying suppliers and getting paid by customers. Westford's revolving line is unsecured: no charge over property or equipment, with limits up to USD 2.5M for qualifying businesses.
You draw what you need, pay interest only on what is drawn, and redraw as you repay within the agreed limit.
How the limit is sized
Limits are set against recurring revenue, receivables quality and cash conversion. A business with stable monthly revenue and diversified customers will typically qualify for a larger line than one with lumpy, concentrated income.
Line vs term loan
- Line: flexible, revolving, best for recurring timing gaps
- Term loan: lump sum with fixed amortisation, best for one-off investment
- Many borrowers combine both — a term loan for expansion and a line for day-to-day liquidity
Line vs invoice factoring
Factoring sells individual invoices, often with customer notification. A working-capital line keeps your customer relationships untouched and is priced as a facility, not per invoice.
Getting started
For facilities under USD 10 million with complete documents, Westford typically closes in less than 14 days. Larger or project-level facilities follow a diligence timetable agreed up front.
Next steps: check the eligibility checker, review indicative rates, run the calculator or apply. Prefer to talk? Call +1 (302) 579-5439 or book a deal officer.
Indicative information only; not an offer of credit. All facilities are subject to credit approval, KYC and documentation.
People also ask
Is a working-capital line unsecured?
Yes. Westford's working-capital line requires no collateral; it is underwritten on revenue and cash flow and usually carries a negative pledge.
How large can the line be?
Up to USD 2.5M for qualifying businesses, sized to revenue.
What does it cost?
Indicative ranges are on the rate sheet. Any fees are set out in writing in your term sheet and facility agreement before you commit. Only pay into bank details confirmed in your signed agreement — never by gift card, crypto or to a personal account.
Which countries are covered?
The USA, UK and Europe, Canada, Australia, the UAE and selected Asian markets, assessed case by case.
USD 1M+ facilities
Senior desk hours — Asheville & Dubai
Asheville, NC desk (HQ)
Mon–Fri 8 AM–6 PM local
Dubai desk · Business Bay – Bay Square
Mon–Fri 8 AM–6 PM local
Call +1 (302) 579-5439 or WhatsApp, or hold a 45-minute deal-officer slot below.
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