Rates
Indicative rate sheet
Current indicative pricing for every product, in one printable page. Final terms are confirmed in your term sheet.
Published October 2026
All financing products
| Product | APR range | Representative rate | Amount | Max tenor | Collateral | Details |
|---|---|---|---|---|---|---|
| Personal & Business Loans | 8.9% – 14.5% | 10.9% | $50,000 – $5,000,000 | 10 years | Collateral optional | Details |
| Unsecured Business Loan | 10.9% – 17.5% | 12.9% | $50,000 – $1,000,000 | 5 years | No collateral required | Details |
| Working Capital Line | 11.5% – 18.9% | 13.5% | $50,000 – $2,500,000 | 3 years | No collateral required | Details |
| Project Finance | 6.5% – 11% | 8.25% | $1,000,000 – $200,000,000 | 25 years | Secured | Details |
| Infrastructure Funding | 5.75% – 9.5% | 7.4% | $5,000,000 – $200,000,000 | 30 years | Secured | Details |
| Mining Finance | 7.5% – 13% | 9.75% | $2,000,000 – $150,000,000 | 15 years | Secured | Details |
| Asset Financing | 6.9% – 12% | 8.9% | $50,000 – $50,000,000 | 10 years | Secured | Details |
| Scholarships & Education Funding | 3.5% – 7.5% | 5.25% | $50,000 – $10,000,000 | 15 years | Collateral optional | Details |
| Campaign Finance | 9.5% – 15.5% | 11.9% | $50,000 – $5,000,000 | 3 years | Collateral optional | Details |
| Tender & Contract Finance | 8.5% – 14% | 10.5% | $50,000 – $25,000,000 | 5 years | Collateral optional | Details |
| Career & Professional Development Finance | 6.9% – 11.5% | 8.5% | $50,000 – $2,000,000 | 10 years | No collateral required | Details |
| General Project Funding | 7.9% – 13.5% | 9.9% | $250,000 – $100,000,000 | 20 years | Collateral optional | Details |
Unsecured APR band
No collateral required. Underwritten on repayment capacity and revenue: minimum DSCR 1.25x, negative pledge and financial covenants. Secured-capable products taken unsecured are priced +150 to +300 bps over the secured rate (typically +225 bps).
No collateral required
Unsecured Business Loan
10.9% – 17.5%
$50,000 – $1,000,000 · up to 5 years
No collateral required
Working Capital Line
11.5% – 18.9%
$50,000 – $2,500,000 · up to 3 years
No collateral required
Career & Professional Development Finance
6.9% – 11.5%
$50,000 – $2,000,000 · up to 10 years
Rate-change log
- Campaign Finance (9.5% – 15.5% APR), Tender & Contract Finance (8.5% – 14.0% APR) and Career & Professional Development Finance (6.9% – 11.5% APR, no collateral) launched alongside Scholarships & Education Funding.
- Unsecured Business Loan (10.9% – 17.5% APR) and Working Capital Line (11.5% – 18.9% APR) launched. Unsecured pricing on secured-capable products set at +150 to +300 bps.
- Personal & Business Loan moved to cash-flow-first underwriting: collateral optional where DSCR ≥ 1.25x.
- Representative rates held across project, infrastructure and asset finance following quarterly ALCO review.
- Education Finance lower APR bound reduced by 25 bps for accredited institutions.
- Arrangement fee schedule simplified; APR now quoted inclusive of fees.
Important information
- Rates shown are indicative annual percentage ranges for commercial facilities and are reviewed periodically. They are not an offer or commitment to lend.
- Your actual rate, fees and terms depend on due diligence, credit approval, cash flow, collateral (where applicable), jurisdiction, currency and tenor, and are confirmed only in a signed facility agreement.
- APR ranges include the standard arrangement fee for each product. Third-party costs such as legal, valuation and registration fees may apply and are disclosed before signing.
- Westford never requests upfront fees by wire transfer, gift card or cryptocurrency before a signed facility agreement.