Direct Capital Partner | Fixed Terms & Clear Governance

Smarter private credit,
structured for your momentum.

Q: Is this service only available in the USA, or can international applicants apply?

Our standard online portal is currently configured for borrowers and businesses located within the United States. However, we routinely evaluate custom and cross-border credit facilities for international clients on a case-by-case basis via our direct underwriting desk at loans@westbridgecreditco.com.

Access customized private credit facilities with no upper limits — from personal liquidity to multi-million commercial capital lines with guaranteed upfront transparency, zero deductions from principal, and same-day underwriting review.

Apply for Loan Estimate Loan Terms

Disbursement

100% Full Capital

Zero deductions from principal

Underwriting

4–24 Hour Turn

Rapid review cycle

Governance

1-Page Deal Sheet

Crystal clear legal terms

Facility Limits

Uncapped Sizing

Tailored to capacity

Interactive Estimator

Model Your Repayment Structure

Adjust loan amount and duration to estimate your monthly installment and total repayment in real time.

Standard Nominal Baseline

Credit Facility Simulator

Fixed 3.0% / mo

Loan Amount $25,000

Custom commercial facilities available above $500,000 with no upper ceiling.

Repayment Tenor 12 Months

Estimated Monthly Installment

$2,833.33

Total Repayment

$34,000.00

Zero deduction policy: Westbridge does not deduct origination fees from your approved principal. You receive the full $25,000.00 in your bank account upon approval.

Apply for Loan with These Terms

Credit Facilities

Structured capital designed around your timeline.

Every loan facility is underwritten with transparent parameters, dedicated servicing, and enforceable institutional contracts.

Personal Line UNSECURED / SECURED

Executive & Personal Term Loans

Unsecured personal financing for verified income earners and professionals. Rapid underwriting with zero penalizing compounding or hidden ongoing administrative surcharges.

Facility Limit

$2,500 – $35,000

Tenor

3 to 24 Months

Disbursement

Within 24 Hours

Clear 1-page statement provided at approval Apply for Personal

Commercial WORKING CAPITAL

SME & Growth Capital

Inject working liquidity into operational bottlenecks, inventory bulk purchasing, equipment acquisition, or contract execution.

Uncapped credit lines tailored to enterprise scale

Structured around seasonal cash flows

Custom corporate loan agreements & schedules

Request Commercial Term Sheet

Refinancing UNIFIED REPAYMENT

High-Interest Consolidation

Consolidate fragmented, expensive card obligations and payday loans into one predictable, single monthly debit schedule.

Instant monthly savings Apply Now →

Asset-Backed COLLATERAL SUPPORTED

Short-Term Bridge Facilities

Expedited capital backed by verifiable real estate equity, automotive titles, or corporate receivables. Highest approval probability and customized repayment grace intervals.

Includes Schedule C Collateral Pledge Verification Explore Asset Backing →

Direct Comparison

How Westbridge redefines the lending relationship.

Commercial institutions often bury deductions and penalties in boilerplate contracts. We operate with strict structural clarity.

Evaluation Criteria

Legacy Banks

Westbridge Credit Co.

Disbursement Amount How funds arrive into your account

Fees deducted from principal (you get less than approved)

100% of approved capital delivered in full

Underwriting Speed From submission to approved deal sheet

2 to 4 weeks of bureaucracy

Same-day / Under 24 Hours

Contract Structure Transparency of documentation

30+ pages of dense legal jargon

1-Page Deal Sheet + Clear Schedules

Origination Fee Disclosure When and how fees are settled

Compounded with loan interest

Paid upfront & covered back at repayment

Early Payoff Flexibility Paying your facility ahead of maturity

Prepayment penalty fees applied

Encouraged with zero surprise fees

Standardized Lifecycle

Four steps from application to funded capital.

A predictable, transparent pathway that respects your time and financial security.

Submit Application

Fill out the 7 core requirements on our online portal. No impact on credit score during preliminary review.

FORM WB-CREDIT-01 EST: 2 MIN

Underwriting Deal Sheet

Our underwriters assess your profile and issue Document 01: The 1-Page Loan Statement detailing exact approved amount, rate, and tenor.

1-PAGE LOAN STATEMENT 4–24 HRS

Origination & Signing

Review and execute the master Loan Agreement. Settle the verified upfront origination charge so your loan is fully funded.

MASTER AGREEMENT SCHEDULE C

Full Capital Disbursement

Receive 100% of your approved loan amount directly into your designated bank account via wire or direct ACH.

DIRECT DISBURSEMENT SAME-DAY

Answers & Guidance

Frequently Asked Questions

Transparent answers about our fee structures, documentation standards, and lending terms.

Unlike predatory lenders who secretly slice fees off your loan before sending it to you, Westbridge operates with clean accounting. The origination fee is paid upfront prior to disbursement. This ensures that 100% of your approved principal arrives in your account, and you know down to the exact dollar what was approved and what you received.

Our initial application requires only basic high-level data points (Legal Name, Email Address, State, Loan Amount, Purpose, Employment Status, Monthly Income, and Preferred Term). Once pre-approved, you'll be asked to provide a government-issued photo ID and proof of account ownership for disbursement.

Yes. We strongly encourage early repayment. Westbridge Credit Co. does not charge punitive prepayment fees on standard executive and personal loans. Paying early saves you interest and restores your credit capacity for larger future credit limits.

We utilize a formalized 3-document standard: Document 01 is your 1-page individual Loan Statement (Deal Sheet); Document 02 is the formal Loan Agreement; and Document 03 contains the attached repayment schedule and any applicable security exhibits. Everything is clearly formatted and signed electronically or in counterpart.

Initial review typically takes 4 to 24 hours. Upon agreement signing and settlement of the origination fee, disbursement is triggered immediately via ACH or direct wire.

Our standard online portal (FORM WB-CREDIT-01) is currently configured for borrowers and businesses located within the United States.

However, we routinely evaluate custom and cross-border credit facilities for international clients on a case-by-case basis. If you are applying from outside the United States, please contact our underwriting desk directly via email at loans@westbridgecreditco.com with your requested amount, business or personal profile, and country of residence.

Smarter private credit, structured for your momentum.