Unsecured funding
Unsecured business loans with no collateral required
Unsecured business loans from USD 50,000 to USD 1M with no collateral. Terms up to 60 months for U.S. and international companies with proven cash flow.
Not every business has hard assets to pledge, and not every owner wants to put property on the line. Westford's unsecured business loan is underwritten on cash flow, trading history and management quality instead of collateral, so you can access capital without a lien on your equipment or premises.
Loan amounts run from USD 50,000 to USD 1,000,000 with terms of up to 60 months. Pricing reflects the absence of security, and we are transparent about it: indicative APRs are published on every product page.
What you can use it for
- Hiring and payroll during growth
- Marketing and customer acquisition
- Inventory build ahead of peak season
- Technology and software investment
- Professional services firms with few physical assets
Who qualifies
Businesses with consistent revenue, positive operating cash flow and clean banking history. A personal guarantee may be requested for smaller or younger companies.
How the facility is structured
- No collateral or asset lien
- Fixed monthly repayments up to 60 months
- Early repayment permitted
- Can be combined with a working capital line
How to apply
- Apply online in about ten minutes with basic company and project details.
- A named deal officer reviews your application and requests supporting documents.
- Receive an indicative term sheet outlining amount, rate, tenor and conditions.
- 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 an unsecured business loan?
- It is a loan that is not backed by a specific asset. Approval is based on your business's cash flow and credit profile instead of collateral.
- Is a personal guarantee required?
- Sometimes. For newer or smaller borrowers we may request a guarantee; established businesses often qualify without one.
- Do you charge upfront fees?
- Westford never asks for fees by wire, gift card or cryptocurrency before a signed facility agreement.
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