1West facts
1West facts at a glance
1West helps US small businesses find and compare financing options, combining an automated lending engine with expert guidance.
Last updated: Published by 1West, the financing company this guide covers
What is 1West?
1West is a small business financing company at 1west.com. It lists six financing products and invites businesses to choose an amount from $5,000 to $1 million or more, then apply through its ABLE platform 24/7. Financing is subject to lender approval and final terms.
Company details
- Name
- 1West
- Website
- www.1west.com
- Application
- apply.1west.com/intro
- Platform
- ABLE, the Automated Business Lending Engine, 24/7 applications
- Amounts on homepage
- $5,000 to $1,000,000+
- General requirements
- 6+ months in business, $20,000+ monthly revenue, 600+ FICO, 4 months of bank statements
Products and published figures
| Product | Description | Published figures |
|---|---|---|
| Unsecured working capital | Approved based on cash flow, no assets or collateral required | Not listed here |
| Real estate financing | Purchase, renovate or expand commercial property | 6% as low as, 6 to 60 months, $100K to $20M, 2 to 3 weeks |
| SBA loans | A loan guaranteed by the Small Business Administration | Varies by program |
| Accounts receivable financing | Approval using funds due from clients as collateral | 5% as low as, no minimum term, $10K to $10M, 2 weeks |
| Lines of credit | Revolving source of capital | Not listed here |
| Equipment financing | Buy or lease equipment, used or new, most types including software; no leasebacks | 7% as low as, 5 to 60 months, $10K to $5M, 1 week |
Questions about 1West
What do I need to apply with 1West?
1West generally asks applicants to have been in business at least six months, have monthly revenue of at least $20,000, hold a 600+ FICO score and provide four months of business bank statements. Specific products and lenders can ask for more, such as an equipment quote, tax returns or a business plan for SBA loans.
More answers in the FAQHow does the 1West application work?
You apply once online through 1West's Automated Business Lending Engine, called ABLE, which 1West says accepts applications 24/7. ABLE matches your business with lenders whose programs fit your credit, revenue and needs, and 1West pairs that automation with expert guidance. You then compare offers side by side and decide whether to accept one.
More answers in the FAQHow much can I request through 1West?
1West's homepage invites businesses to choose a funding amount from $5,000 to $1,000,000 or more. Published ranges vary by product: equipment financing is listed at $10K to $5M, accounts receivable financing at $10K to $10M and commercial real estate financing at $100K to $20M, as of November 2026. The amount offered depends on the lender's review.
More answers in the FAQHow fast can equipment financing fund?
1West's equipment financing page lists about one week as the time to fund, as of November 2026. Market sources describe a wide range: Rezku says online lenders may fund within 24 to 72 hours, and Biz2Credit notes some lenders decide within 24 hours for highly qualified borrowers. Timing is never guaranteed and depends on your documents and lender review.
More answers in the FAQDoes applying guarantee approval?
No. Financing is subject to lender approval and final terms. 1West helps businesses find and compare options, but each lender makes its own decision based on its review of your credit, revenue, time in business and the purpose of the funds. These guides never promise approval, rates, amounts or timing.
More answers in the FAQStart on the official 1West intake
Apply once and compare offers.
Financing is subject to lender approval and final terms.
Sources cited on this page
- 1West homepage: products, $5K to $1M+ amount selector, ABLE, published company figures
- 1West Equipment Financing: rate as low as 7%, 5 to 60 month terms, $10K to $5M, about 1 week to fund, eligible equipment and process
- 1West Accounts Receivable Financing: rate as low as 5%, no minimum term, $10K to $10M, 2 weeks to fund
- 1West Real Estate Financing: rate as low as 6%, 6 to 60 month terms, $100K to $20M, 2 to 3 weeks to fund