We read bank statements, not credit reports
Three months of bank statements. Average daily balance, deposit consistency, money in versus money out. That's the file we underwrite — no FICO floor, no collateral demand.
About Westline
We fund businesses banks walk past.
Good businesses. Banks are just slow, rigid, and measuring the wrong things.
Our mission
Capital should move at the speed of business.
82% of small business loan applications get denied by banks. The businesses aren't failing. The banks are measuring the wrong things.
They want years of tax returns, perfect credit, collateral you don't have. Then they take 90 days to say no.
We look at your cash flow. If your business deposits money consistently, you can access capital. That's it.
82%
Bank denial rate for small business loans
24–48hr
Average funding time
$5K–$2M
Funding range
How we work
Three things we do differently.
One rep, your whole file
No transfers. No "let me check with my manager." One person handles your application, approval, and funding.
24-48 hours, funded
Decision same day you apply. Capital in your account within 24-48 hours. Average: 31 hours.
Who we fund