How does the program work?

WBL makes available short-term small business loans for a term of 6 to 36 months. Approvals are based primarily on the business’ revenue and not the owner’s personal credit score. All we need to start is a completed one-page application and the most recent six months of business bank statements. WBL’s core program does not typically require tax returns, credit card receipts or business plans.

What are the interest rates and how are they determined?

Each applicant’s cash flow, payment history, and financial strength are considered to determine a risk adjusted repayment plan specific to that applicant. Payments are determined by factors such as the amount and consistency of the business’ cash flow, the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds.

What factors affect loan application approval?

The age of the business, as well as the revenue history, assets, and credit history of the business, among other factors, all contribute to building a comprehensive profile of the applicant.

How are loans repaid?

Loans are repaid through automatic deductions from the business’ bank account. Loans can be repaid either daily or weekly (excluding weekends and holidays).

Will you check my personal finances?

Although the business’ asset-profile and cash-flow are our primary concern, we do review the business’ and owner’s credit reports to identify current judgments, open bankruptcies, tax liens and other factors.

Do I need financial statements, tax returns or a business plan to qualify?

No. Unlike applying for a business loan from other lenders, WBL does not typically require personal or business financial statements, business plans, tax returns, credit card processing statements or financial projections. All we need to start is the completed one-page application and copies of the business’ most recent 6 months of bank statements.

How much funding is available for my business?

The amount of funding provided is determined by the revenue and the risk profile of your business. Funding ranges from $5,000 to $2,000,000.

What sets WBL apart?

WBL provides small businesses with the working capital they need when they need it. As a private and direct lender, we have our own underwriting guidelines (different from other lenders) by which we make funding decisions quickly. Whereas another lender may deny a strong business based on the owner’s personal credit score, WBL looks at the overall health of the business.

Does WBL have a referral program?

Yes. WBL is committed to establishing mutually beneficial relationships with a variety of business partners. Please visit the Referral Program page on our website at

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