Working Capital | Small Business Finance

Loans & Lines of Credit for Any Business Purpose



In a business world that's constantly changing and increasingly complex, there is one constant: your business needs capital to grow.


But getting financing for your business can be a challenge. That's why Western Financial offers unique solutions tailored for your specific business needs. We will work with you to determine the right financial fit for your business, whether that's a small business loan, merchant cash advance or business line of credit.


With both fixed and flexible repayment options, our financing products allow you to remain in a favorable cash flow position so you can continue operating—business as usual. Better yet, you can qualify for additional working capital even before you have paid us back in full. We realize you have a business to run and opportunities to take advantage of. Regardless of the need, we can provide $5,000 to $2,000,000 in as few as 5 business days. The bottom line is this: Financing from Western Financial gives you capital to use as you see fit, for virtually any business purpose.


Ready to learn more? Call 800-385-5290 or click on APPLY NOW and an Account Manager will contact you with a free quote.




Our Process

  • Step 1

    Fill out our simple business loan application and send it to us along with your recent bank statements.

  • Step 2

    Your business loan is usually approved the same or next business day.

  • Step 3

    Sign and return our simple business loan documents.

  • Step4

    Receive funds in your bank account electronically.

Western Financial Portfolio

Small Business Loan


Many businesses find that a small business loan is essential for meeting short-term or ongoing funding needs, such as temporary cash flow issues, seasonal working capital needs, purchasing inventory or financing accounts receivable. Our Small Business Loan is a quick and easy alternative when traditional leasing and financing solutions won't fit. Whether you are growing or remodeling your business, or simply need a cash infusion to expand operations our flexible working capital program will provide you with the capital you need to succeed.




Merchant Cash Advance


Leverage your commercial credit card receivables to get a fast flexible merchant cash advance. Western Financial's merchant cash advance program allows businesses owners to quickly receive a lump sum of cash for any business need. The loan is paid back incrementally, as a fixed percentage of your future credit card sales. One of the advantages of our merchant cash advance program is that the amount that you pay back every month varies with your cash flow. Your payments will increase and decrease based on incoming payments, so you pay less in slower months.


With Western Financial's merchant cash advance, there is no due date and there is no fixed payment. You pay back with a small percent of your daily credit card transactions, so you have more flexibility than you would with a loan. We don't get paid until you get paid, it's that simple.


Business Line Of Credit


Our largest line of credit for maximum flexibility.

With a Business Line of Credit, worries about fluctuating cash flow can be a thing of the past. It's our largest line of credit, giving you the ability to access funds on an as-needed basis up to your credit limit. And when you pay down the balance, you'll replenish your available credit.


A secured line of credit for larger needs.

A Business Line of Credit is a revolving line of credit that can be secured with a variety of collateral options, including real estate. Use it to purchase equipment and materials or to finance inventory and account receivables.


Lines of credit up to $2 million.

  • Our largest operating line of credit, with line sizes from $10,000 to $2 million
  • Lower interest rates and higher credit limits because it's a secured line
  • A revolving line of credit; when you make a payment, you replenish the credit available to your business
  • Alternative financing options available

Access cash when you need it.


Growing businesses need ready access to cash. A Business Line of Credit is an ideal way to meet a wide range cash flow needs, including operating expenses, working capital, managing accounts receivable and purchasing inventory.


Businesses come to Western Financial for real financial solutions to help with every day challenges. Whether you are looking for a merchant cash advance or a small business loan, chances are we have a funding solution for your business.