Small Business Loan

At Western Pacific Lending we make receiving capital for your business as simple as possible; with our two page application and no hassle qualifying guidelines we can provide working capital within 5-7 days to customers in the U.S. and Canada! With some of the lowest rates in the industry and the highest loan approval amounts, Western Pacific Lending is a leader in the industry! Our customers have some of the highest renewal rates in the industry because treat your business as if it was our own.

Your businesses cash flow and payment history demonstrate the performance of your business and can help qualify you for a small business loan from $5,000 up to $2,000,000. By reviewing your business cash flow and payment history we can identify businesses to lend to that others would pass by due to credit score. We can deliver decisions quickly with approvals in as few as 48 hours and funding in as few as 5 business days.


  • Get the working capital you need in 5-7 business days
  • Receive more capital at a lower cost when compared to factoring and MCA's depending on your business qualifications
  • Renewal options automatically available once you reach 70% payoff
  • Loan Amounts from $5,000 up to $2,000,000
  • Terms from 3-18 months

What You Can use your loan for?

Business owners use a Performance Merchant Advance for a wide variety of reasons.

  • Expansion
  • Payroll
  • Advertising campaign
  • Remodeling
  • Emergencies
  • Daily Expenses
  • Pay Vendors
  • Personal Medical Expenses
  • Business/personal trips
  • Family Emergencies

Just like a traditional bank loan, you can spend the money on anything you want.