Western Financial

Western Financial: financing and payment processing for businesses

Western Financial is a business financial services company that brings together equipment financing, working capital, business loans and lines of credit, and payment processing and merchant services in a single offering. The firm serves organizations of all types and sizes and states that it provides service in the United States and Canada.

Equipment financing and working capital

The company highlights equipment financing with advertised fixed rates as low as 5.85%. For working capital, it offers quick, stress-free business loans for any business purpose. Its selling points include fast funding, less paperwork, and technical support and customer care available 24 hours a day, 7 days a week.

Merchant services and card processing

Western Financial offers merchants a low-cost credit card acceptance solution. The site details a fee structure that includes, among other items, a merchant monthly minimum of $15.00, a batch fee of $0.07, a chargeback fee of $12.00, a retrieval fee of $5.00, a debit adjustment fee of $5.00, a voice authorization fee of $1.35 per attempt, and an address verification fee of $0.02. It also lists online processing items, such as a one-time activation of $59.00, a gateway hosting fee of $9.95 per month, a transaction fee of $0.05 plus the front-end transaction fee, a PCI program of $55.00 per year, and a PCI non-compliance fee of $25.00 per month.

The fee schedule is completed with wireless and mobile point-of-sale services, with terminal activations of $40.00, gateway hosting of $17.95 per terminal per month, transaction fees of $0.12 plus the front-end fee, ACH fees of $0.02 and $3.00 per return, and an Advantage Buyer Program of $19.95 per month. For fleet cards, surcharges of 3.60% plus $0.15 for Voyager and 3.50% plus $0.15 for Wright Express (WEX) are indicated. The company also mentions acceptance of Electronic Benefit Transfer (EBT) payments.

Profile and track record

The company presents itself as a comprehensive provider of business financial services and states that it has grown from a first account to thousands of clients in the United States and Canada. It describes itself as one of the most innovative and reputable companies in the sector, with experience, insight, and technology applied to generating strategic advantages for its clients. Its offering combines equipment financing, working capital, loans and lines of credit, and merchant payment processing.

How to get started and support

Western Financial indicates four ways to begin the relationship: online application, phone call, text or live chat, and email. Technical support and customer care are advertised as available 24 hours a day, 7 days a week.

Locations

The company operates from two offices in the United States, one in Orange (California) and one in Austin (Texas).

Locations and offices

Main location: 2025 Guadalupe St. Ste. 260 Austin, TX 78705 · Phone: 800.385.5290

Orange location: 1403 North Batavia St., Ste. 203 Orange, CA 92867