Working capital financing to keep your business moving

Healthy businesses still run short of cash when customers pay slowly or inventory has to be bought ahead of demand. A Westford working capital line gives you a revolving facility you draw when you need it and repay as cash comes in, so you only pay interest on what you use.

Lines range from USD 50,000 to USD 2.5 million with no collateral required, and renew for terms of up to 36 months. They are built for small and mid-size enterprises in the USA and abroad.

What you can use it for

• Inventory and seasonal stock
• Receivables gaps and slow-paying customers
• Payroll during growth phases
• Supplier early-payment discounts
• Short-term contract mobilisation

Who qualifies

Operating businesses with recurring revenue and at least 12 months of bank statements.

How the facility is structured

• Revolving draws and repayments
• Interest only on the drawn balance
• No collateral required
• Annual review and limit increases

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

How is a working capital line different from a term loan?

A line is revolving: you draw, repay and redraw within your limit. A term loan is a single disbursement repaid over a fixed schedule.

Is collateral needed?

No. Our working capital line is unsecured.

Can the limit grow?

Yes, limits are reviewed annually based on performance.