Working capital · United Kingdom
Working capital loans for UK businesses: unsecured lines and term funding
Working capital loans and revolving lines for UK businesses, equivalent to USD 50,000 upward, unsecured lines to about £1.85M. GBP or USD facilities by agreement.
UK companies use working capital finance to bridge supplier payments, VAT quarters and slow-paying customers. Westford Capital Group lends to UK businesses from its Asheville HQ, with facilities from about £37,000 (USD 50,000) and unsecured working-capital lines to roughly £1.85M (USD 2.5M).
Facilities can be denominated in GBP or USD by agreement. Amounts in pounds on this page are indicative conversions; the rate used is fixed at drawdown.
Who it suits
- UK limited companies and LLPs with two or more years of filed accounts at Companies House
- Businesses with recurring revenue and a clear cash-conversion cycle
- Firms that want an alternative to an overdraft or invoice finance
Options
- Revolving unsecured working-capital line
- Unsecured term loan for one-off needs
- Secured term loan where property or assets support a larger amount
What to prepare
- Two years of filed accounts and current management accounts
- Six to twelve months of business bank statements
- Aged debtor and creditor lists
- HMRC position (VAT, PAYE) and existing borrowing
Speed and pricing
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. 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.
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
Do you lend to UK businesses?
Yes. UK applications are reviewed by Westford's deal team; there is no London branch — engagement is by phone, video and the secure portal.
Can the loan be in pounds?
Yes, GBP or USD by agreement. Indicative conversions use reference rates; the final rate is fixed at drawdown.
Is collateral needed?
Not for the working-capital line or unsecured term loan. Larger facilities may be secured.
How fast?
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.
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.
Ready to finance your next milestone?
Submit a proposal in minutes. A Westford deal officer will respond within two business days.
