| ✅ | Topic | Summary |
|---|---|---|
| 💼 | Company Overview | Westwood Funding Solutions, LLC, founded in 2017 and based in Fort Lauderdale, FL, has funded over $1 billion to more than 14,000 small businesses. |
| ⚙️ | How It Works | The company provides quick-access business funding through products like merchant cash advances, interest-only loans, and unsecured lines of credit. |
| 💰 | Funding Amounts | Westwood Funding can fund businesses up to $3 million, depending on qualifications and revenue strength. |
| 🧾 | Qualifications | Westwood Funding typically uses traditional risk assessments, such as credit scores, but does not publicly list minimum requirements. |
| 🚀 | Funding Speed | Once approved, financing can be delivered within 24 hours of application. |
| 👍 | Pros | Fast approval, a wide range of funding products, and excellent customer service. |
| ⚠️ | Cons | Limited transparency on rates and qualifications, and merchant cash advances may carry high APRs. |
| ⭐ | UCS Rating | 4 out of 5 ⭐ — Reliable funding source with strong service, but limited public cost transparency. |
In today’s business landscape, traditional banks continue to enforce stringent credit approval processes, making it difficult for small and medium-sized businesses to access fast business funding. As a result, many business owners are turning to fintech and alternative business lending companies that offer faster, more flexible funding solutions. These platforms use technology-driven processes to assess business health and issue funding decisions within days—or even hours—rather than weeks.
One such lender is Westwood Funding, an alternative funding company that offers working capital solutions to help businesses meet short-term financial needs, support growth, and stabilize cash flow. However, as with any business funder, it’s essential to carefully evaluate the products, terms, and qualifications before signing an agreement.
In this review, we explore how Westwood Funding works, including the available options, pros and cons, and the application process to help you decide if it’s right for your business. Specifically, we’ll answer these questions and more:
Westwood Funding Solutions, LLC is a financial services company headquartered in Fort Lauderdale, Florida, that specializes in providing working capital financing to small and medium-sized businesses across the United States. Founded in 2017, the company has since funded over $1 billion to more than 14,000 businesses, building a strong track record within the alternative lending industry.
Westwood Funding serves a broad range of sectors, including wholesale, construction, hospitality, automotive, e-commerce, and manufacturing. The company serves businesses in every state, and specific requirements or funding options may vary by state. The company focuses on helping business owners secure fast capital for business growth, payroll, inventory, or general operating expenses—especially when traditional bank financing isn’t an option.
Westwood Funding offers working capital financing to small and medium-sized businesses. The company positions itself as a fast, flexible lender that uses data-driven underwriting to evaluate performance rather than relying solely on credit scores.
Westwood Funding offers a suite of popular business funding products to help companies access capital quickly. Business owners apply online, and once Westwood Funding receives their application, they will be contacted regarding the next steps. Once approved, applicants can often receive funds within a day.
Westwood Funding’s products include advance capital on future receivables, interest-only loans, unsecured lines of credit, and commercial real estate loans. Westwood Funding can fund businesses up to $3 million, depending on the product type, financials, and risk profile.
Small business loans provide businesses with access to capital for various purposes, including expenses and growth.
Below are the main business loan products available through Westwood Funding.
Westwood Funding Solutions, LLC, provides revenue-based financing to business owners for various needs, including inventory, equipment, and payroll expansion. Revenue-based funding allows businesses to receive capital based on their future revenue projections.
This form of financing—also called a merchant cash advance (MCA loan)—is the company’s primary product and provides rapid access to capital in exchange for a portion of future sales. Merchant cash advances give companies quick access to funds but often come with high interest rates. This product is typically used by businesses that need working capital to cover short-term expenses or manage cash flow between sales cycles.
Westwood Funding also offers interest-only loans, which allow borrowers to make lower payments initially by paying only the interest portion for a set period. These business loans are often used for expansion projects or refinancing needs, such as business debt consolidation. After the interest-only period ends, payments convert to standard principal-and-interest installments.
Westwood Funding provides unsecured lines of credit to businesses. The difference between secured and unsecured financing is that secured lines of credit have collateral, and unsecured lines of credit don’t.
This financing option offers flexible access to capital that can be drawn as needed, repaid, and used again. It is ideal for managing ongoing operational costs, seasonal expenses, or unexpected cash flow shortages.
Westwood Funding assists businesses in accessing the SBA 7(a) loan program, a government-backed product that supports small businesses needing long-term, lower-interest financing. Through its lending network, the company helps business owners navigate the SBA loan application process and secure competitive rates.
With accounts receivable (AR) line or invoice factoring, businesses can sell unpaid invoices to Westwood Funding at a discount in exchange for immediate cash. This financing method helps maintain liquidity without waiting 30–90 days for clients to pay outstanding invoices.
Westwood Funding provides financing solutions for commercial real estate purchases, refinancing, and development. Loan amounts and terms vary, but this option is ideal for business owners looking to buy or expand physical locations.
For term loans at Westwood Funding, terms can range from 3 to 10 years with an APR as low as 7%. These fixed-term loans are typically used for larger purchases or long-term investments such as new equipment, facility upgrades, or business expansion.
Through asset-based lending, Westwood Funding allows businesses to secure financing backed by company assets such as accounts receivable, equipment, or inventory. This product can help firms with valuable assets that may lack sufficient credit history for traditional bank loans.
The company does not publicly disclose detailed qualification requirements, such as minimum credit scores, for each loan product. However, Westwood Funding typically relies on traditional risk assessments, such as credit scores, which can be beneficial for businesses with strong financial histories.
Applicants generally need to provide basic documentation such as recent bank statements, revenue records, and identification to prove business ownership and revenue. Because many of Westwood’s products are revenue-based, approval often depends on consistent sales volume and business performance rather than perfect credit.
If published qualification details become available, business owners can compare eligibility requirements to determine the best-fit funding solution.
Westwood Funding has a reputation for efficiency due to its fast funding process. The company can often approve and fund loans within one business day. Same-day business financing may be available in some cases.
Westwood Funding offers various types of financing products, including merchant cash advances and business loans. Business funding can be used for inventory, equipment, marketing, payroll expansion, or basic cash flow needs.
Applicants should understand that Westwood Funding may conduct a credit review during the application process. The company has not clarified whether it performs a soft or hard credit pull or whether payment activity is reported to credit bureaus. Therefore, applicants should verify these details directly to understand any potential credit impact.
While the company’s website provides general product descriptions, it does not disclose details on exact costs, qualification thresholds, or repayment structures. This lack of transparency can make it difficult to compare with other lenders.
Customer reviews for Westwood Funding are generally positive, with many clients appreciating the team’s responsiveness and helpfulness. Many customers report receiving funding from Westwood Funding quickly. It is important to note that online reviews and business profiles are subject to change as new information becomes available.
However, some customers have raised concerns about specific clauses in agreements. Revenue-based financing can be a valuable short-term business financing solution, but it generally comes with higher costs than traditional loans. Borrowers need a solid repayment plan to ensure daily or weekly remittances don’t strain cash flow.
High APRs associated with merchant cash advances (MCAs) have been noted as a potential drawback in general industry analyses. Loans for small businesses can sometimes result in more debt than the company can adequately repay, so proper budgeting is essential.
Westwood Funding has a business loan affiliate program. ISOs and business loan brokers can partner with the company and earn commissions on referred deals.
Westwood Funding offers a quick and convenient online small business loan application process. Applicants can begin by submitting a short form on the company’s website.
Once the application is reviewed, a representative will reach out to discuss funding options, collect the necessary documents, and provide a decision on approval. Applicants may also be asked to send additional documentation to complete the application process.
Westwood Funding can provide financing within 24 hours of application.
Navigate to the company’s website and click the Apply Now button to access the online application portal and start the process.
Provide essential details about your business, including revenue, time in operation, and the purpose of your funding.
Upload requested financial statements or bank records to verify cash flow.
If approved, review the proposed loan amount, repayment terms, and fees carefully before signing.
Once finalized, funds are deposited directly into the business account, often within one day.
Westwood Funding’s repayment process varies by product type. For example, merchant cash advances are usually repaid daily or weekly through automatic withdrawals tied to revenue. Term loans may have monthly payments.
The company does not publicly share details about prepayment penalties, early payoff discounts, or renewal options. Borrowers are advised to carefully review their funding agreement to ensure they understand repayment terms, potential penalties, and renewal clauses before signing.
A dedicated account manager is available to assist clients with any questions or concerns that may arise during the repayment process.
Westwood Funding’s primary advantage is its speed and accessibility. The company’s streamlined online application allows businesses to secure funding within 24 hours—a significant benefit for companies facing urgent cash flow needs. Its diverse lending options, from MCAs to SBA loans, enable business owners to find solutions tailored to specific needs.
Customer reviews frequently highlight responsive service and knowledgeable account managers who assist borrowers through the process. Westwood Funding treats clients with respect and fairness throughout every interaction.
The team’s approach to customer service ensures a positive experience for every client. Many note that it was a pleasure working with the Westwood team and that representatives were both fair and helpful. Additionally, representatives are known for keeping their word and following through on commitments.
The main drawbacks are the limited transparency on its website and the higher cost of certain products, such as revenue-based financing. These loans can become expensive if revenue fluctuates or if repayment schedules are aggressive.
Additionally, the lack of detailed qualification criteria and rate disclosures makes it difficult for potential applicants to compare Westwood Funding’s offers with those of other lenders.
Pros:
Cons:
Yes, Westwood Funding Solutions, LLC is a legitimate business funding company. It is a registered entity headquartered in Fort Lauderdale, FL, and maintains an online presence through an official company website and business listings.
Westwood Funding is Better Business Bureau (BBB) accredited and maintains an A+ rating on the watchdog site. This accreditation affirms that the company meets the BBB’s standards of trust, transparency, and customer responsiveness.
Customer feedback for Westwood Funding is mainly positive. It has a 4.9 rating out of 5 based on more than 260 Google reviews. In addition, it has a 4.5 out of 5 rating on Trustpilot and an impressive 4.43 out of 5 on BBB with zero complaints.
Positive reviews generally mention that funding was quick and the process was easy to understand. Many small business owners express that the Westwood Funding team treated them fairly and helped them secure capital when traditional banks could not. Several customers mentioned a “great experience dealing with Westwood Funding,” with one customer stating they “couldn’t say enough good things” about the company. Many clients are inspired to write reviews after a positive experience with Westwood Funding.
Reviews frequently highlight the professionalism of Westwood Funding staff. Customers often report excellent service when working with Westwood Funding representatives. Several customers recommend specific representatives at Westwood Funding for their helpful support. Employees also give the company good reviews on job review sites.
Specific customers have experienced issues with Westwood Funding’s unclear loan terms and conditions. Some reviews of Westwood Funding suggest that their repayment terms may be less flexible than competitors’ after a contract is signed. One customer said the company was unable to resolve a payment issue.
Westwood Funding may deny an application for various reasons. Since the company doesn’t publish eligibility information, it’s hard to know whether you might qualify before applying.
If declined, the denial letter should explain the reasons why. Contact Westwood Funding directly if you need more information or to ask about eligibility before applying. If you believe your application was denied in error, it’s essential to review your case and provide any additional documentation to support your appeal.
Fortunately, small business owners have diverse lender options if Westwood Funding doesn’t meet their needs. Working with a small business loan marketplace (like UCS) allows you to apply to a network of lenders with a single application and receive multiple offers. You can then get guided support on choosing the best deal for your small business.
You may be interested in one of the following small business loans:
Westwood Funding is a well-established alternative lender that offers flexible funding options and fast turnaround times. It serves a variety of industries and has a strong reputation for customer service. Businesses needing quick working capital may find Westwood Funding to be a good fit, while those seeking lower-cost, long-term financing may want to compare traditional options.
Based on the available information, we rate Westwood Funding 4 out of 5. It offers diverse lending options and has excellent reviews, but the lack of information on its website is a concern.
Disclaimer: The Westwood Funding trademark is owned by WestWood Funding Solutions, LLC, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from WestWood Funding Solutions, LLC.
