logo
Apply
  • Services
    • Merchant Services
    • Equipment Financing
    • Working Capital
  • Resources
    • Financial Tools
    • News
  • About
    • Careers
  • Contact

Working Capital Loans At 9.75% Fixed

Quick, Hassle-Free Business Loans For Any Purpose

Apply Now

Amount

$10,000 - $250,000
App-Only

Term Lengths

3 - 36
Months

Rates

Starting
At 9.75%

Turnaround Time

Same-Day
Funding Possible

Access to working capital is essential for all businesses. Untimely cash flow gaps,
facility expansion/remodeling, inventory purchases, and unexpected expenses can strain
a business' resources. A general-purpose business loan from Western Financial can
relieve these stresses and put your business on a path to more growth.

Find your credit profile and pricing here

Silver

15.75%

600-649 FICO
2+ Years In Business
$0 - $75,000 App-Only
$0 - $7500 Monthly Revenue
Large Liens/Judgments Ok
If On A Payment Plan
Satisfactory Business
Borrowing History
Apply Now

Platinum

9.75%

700+ FICO
5+ Years In Business
$0 - $250,000 App-Only
$0 - $25,000 Monthly Revenue
No Major Liens/Judgments
Excellent Business
Borrowing History
Apply Now

Gold

11.75%

650-699 FICO
3+ Years In Business
$0 - $125,000 App-Only
$0 - $15000 Monthly Revenue
Small Liens/Judgments Ok
Good Business
Borrowing History
Apply Now

All applications subject to approval. Other credit criteria may be applied.

4 Ways To Get Started

Apply
Now

Call
Us

Text/Chat
Live

Email
Us

Why Western Financial?

Trusted by thousands of companies because of our impeccable reputation

Western Financial BBB Business Review
Trustpilot

Why Us

  • Flexible Payment Options
  • Credit Decisions Within Hours
  • No Hidden Fees Or Upfront Costs
  • No Collateral Required
  • Reputation

Options

  • Term Loans
  • Monthly, Weekly, & Daily Repayments
  • Lines Of Credit
  • Equipment & Automobile Refinancing
  • Borrow Against Owned Equipment

The Process

1

Apply online
in as little as
2 minutes

2

We’ll have terms
to you within
hours

3

Sign your
documents

4

Receive your
funding

Ready To Get Started?

Apply Now

Western Financial

1403 North Batavia St., Ste. 203
Orange, CA 92867
(800) 385-5290

  • Merchant Services
  • Equipment Financing
  • Working Capital
  • About Western Financial
  • Careers
  • News

Contact Us

© 2023, Western Financial. All rights reserved. ‌| Terms of Use | ‌ Privacy Policy

  • Apply Now
  • Call Us
  • Live Chat
  • Email Us

Fees

Debit Adjustment Fee $5.00/Adjustment Paper Statement Fee $0.00
Dialpay Transaction Fee $0.55/Transaction Technical Support Calls $0.00
Chargeback Fee $12.00/Chargeback Customer Services Calls $0.00
Retrieval Fee $5.00/Retrieval Merchant Monthly Minimum $15.00
Batch Fee $0.07/Batch Welcome Kit $6.50
Online Statements and Reporting $0.50/mo ACH/DBA Change Fee $5.00
Voice Authorization $1.35/Attempt Merchant Training (Only By Request) $15.00
Online Payment Processing Merchant Download¹ $14.00/Download
– One-Time Activation $59.00 PCI Program $55.00/yr
– Gateway Hosting Fee $9.95/mo PCI Non-Compliance Fee $25.00/mo
– Transaction Fee $0.05/Transaction (+ front end transaction fee) Voyager 3.60% + $0.15
– Batch Fee $0.07/Batch Wright Express (WEX) 3.50% + $0.15
Wireless POS ACH Fee $0.02/ACH
– One-Time Activation $40.00/Terminal ACH Reject Fee $25.00
– Gateway Hosting Fee $17.95/Terminal/mo Electronic Benefit Transfer (EBT)
– Transaction Fee $0.09/Transaction (+ front end transaction fee) – Transaction Fee $0.05/Transaction
Mobile POS – EBT ACH $3.00
– Monthly Hosting Fee $9.95/mo – EBT Adjustments $5.00
– Transaction Fee $0.12/Transaction (+ front end transaction fee) Credit Tier II Surcharge 0.05%
Micros Transaction Fee $0.05/Transaction (+ front end transaction fee) Advantage Buyer Program $19.95/mo
Address Verification Fee $0.02/Verification
¹ Does not apply to an initial download of a newly-boarded merchant