Our Products
Financing Solutions That Fit
Five powerful products designed for every stage of your journey — from 0% lines of credit to $50M business term loans.
Unsecured Products
No Collateral Required
Fast, accessible capital with minimal requirements — no existing business needed.
0% Interest Line of Credit
Our revolving line of credit with 0% interest for 12–18 months. Only requirement is a 650 FICO score — perfect for startups and entrepreneurs.
Interest Rate
0%
Intro Period
12–18 Mo
Collateral
None
Min. FICO
650+
Conventional Term Loan
Unsecured term loan up to $500,000 with competitive rates and flexible repayment. No collateral, no existing business required.
Max Amount
$500K
Starting Rate
6.84%
Repayment
5–7 Yrs
Min. FICO
650+
SBA & Secured Products
Government-Backed & Business Lines
Larger capital solutions for established businesses with real assets and long-term growth plans.
Business Term Loan
Up to $50,000,000
A term loan designed for established businesses with a proven track record. Requires only 6 months in operation, strong monthly revenue, and solid credit.
Max Amount
$50M
Min. Revenue
$10K/Mo
Min. FICO
650+
Min. Time in Business
6 Months
Business Line of Credit
Up to $2,000,000
A flexible revolving credit line for established businesses needing ongoing access to working capital. Draw what you need, when you need it, and only pay interest on what you use.
Max Amount
$2M
Type
Revolving
Use
Any
Min. FICO
650+
SBA 7(a) Loan
Up to $10,000,000
The SBA's most popular loan program. Backed by the U.S. government, the 7(a) provides flexible capital for nearly any business need — from working capital to acquisitions and expansions.
Max Amount
$10M
Terms
10–25 Yrs
Rates
Starting at Prime + 1%
Working capital: up to 10 yrs · Acquisitions: 10–25 yrs
SBA 504 Loan
Up to $10,000,000
Designed for major fixed-asset investments. The 504 pairs a conventional lender with an SBA-backed CDC loan, offering long-term fixed rates ideal for commercial real estate and heavy equipment.
Max SBA Portion
$10M
Terms
10, 20, 25 Yrs
Down Payment
As Low as 10%
Rate
Starting at Prime + 1%
FAQ
Common Questions
Will applying affect my credit score?
No. Getting pre-qualified and checking your rate will not impact your credit score at any point during the application process.
Do I need an existing business to qualify?
For our WestLOC and conventional term loan products, no existing business is required — just a 650 FICO score. SBA loans do require an operating business.
What can I use the funds for?
There are no restrictions on the use of funds for the WestLOC, term loan, and business LOC products. SBA loans have defined eligible use cases including working capital, acquisitions, real estate, and equipment.
How long does the process take?
WestLOC and term loan applicants are typically pre-qualified within 24 hours. SBA 7(a) and 504 loans require more documentation and can close in as little as 2 weeks, though timing varies depending on complexity and documentation.
What's the difference between SBA 7(a) and 504?
The SBA 7(a) is a flexible working capital loan for a wide range of business needs. The SBA 504 is specifically designed for major fixed-asset purchases like commercial real estate or heavy equipment, with long-term fixed rates.