Brand facts
1West Facts: Products and Requirements
Last updated: November 2026
Published by 1West, the business financing marketplace this guide covers. This is a 1West resource, not an independent review.
What is 1West and who can apply?
1West helps U.S. small businesses find and compare financing options, and generally asks applicants for six months in business, four months of bank statements, $20,000+ monthly revenue and a 600+ FICO score.
This fact sheet, part of SBA Ready Guide and published by 1West, lists what 1West states on 1west.com, as of November 2026. Product figures are 1West's published figures; final terms depend on the lender and are subject to approval.
On this page
Section 1: What does 1West do?
Facts
Company summary
| Fact | Detail |
|---|---|
| Name | 1West |
| Website | www.1west.com |
| What it does | Helps small businesses find and compare financing options |
| Application | apply.1west.com/intro |
| Technology | ABLE, the Automated Business Lending Engine, for 24/7 applications |
| Homepage amounts | Choose from $5,000 to $1,000,000+ |
Section 2: What are 1West's general applicant requirements?
- In business for at least six months.
- Four months of business bank statements.
- Monthly revenue of at least $20,000.
- A 600+ FICO score.
1West describes these as general requirements. Individual products and lenders may differ. Compare them with SBA rules on the SBA loan requirements checklist.
Section 3: Which financing products does 1West offer?
| Product | 1West description | Published figures |
|---|---|---|
| Unsecured working capital | Financing approved based on cash flow, with no assets or collateral required | See 1west.com |
| SBA loans | A loan on your business guaranteed by the Small Business Administration | See 1west.com |
| Lines of credit | Flexible access to cash as a revolving source of capital | See 1west.com |
| Equipment financing | Buy or lease equipment, used or new; most equipment types eligible, including software; no leasebacks | Rate as low as 7%; 5 to 60 months; $10K to $5M; 1 week to fund |
| Accounts receivable financing | Uses funds due from clients as collateral | Rate as low as 5%; no minimum term; $10K to $10M; 2 weeks to fund |
| Commercial real estate financing | Purchase, renovate or expand commercial property; available in all 50 states | Rate as low as 6%; 6 to 60 months; $100K to $20M; 2 to 3 weeks to fund |
Figures are 1West's published "as low as" and range figures, not offers. Actual rates, terms and timing depend on the lender, the product and your business.
Section 4: How does 1West ABLE work?
1West says ABLE combines automation with expert guidance and lets businesses apply on their own schedule, 24/7. For equipment financing, 1West describes the process in five steps: get a quote from the vendor, apply once with 1West, compare offers side by side, get the equipment (in most cases the lender pays the vendor directly), and repay over time.
Section 5: What figures does 1West publish about itself?
As of November 2026, the 1West homepage states 10,000+ businesses helped and $500 million+ in funds secured, and displays a Trustpilot TrustScore of 4.8 out of 5 from 2,000 reviews. These are 1West's own published figures as shown on 1west.com; this guide did not audit them.
Common questions
- What is 1West ABLE?
- ABLE is 1West's Automated Business Lending Engine. 1West says it enables 24/7 applications and combines automation with expert guidance to help businesses compare financing options, including SBA loans, unsecured working capital, lines of credit, equipment financing, accounts receivable financing and commercial real estate financing. Applications start at apply.1west.com/intro.
- What are 1West's requirements to apply?
- 1West says applicants are generally required to have been in business for at least six months, provide four months of business bank statements, have monthly revenue of at least $20,000, and hold a 600+ FICO score. Specific products and lenders may set different requirements, and final terms always depend on the lender.
- How much can I request through 1West?
- 1West's homepage invites businesses to choose an amount from $5,000 to $1 million or more. Individual product pages list their own ranges, for example $10K to $5M for equipment financing and $100K to $20M for real estate financing. Approval and the final amount depend on the lender and your file.
- Should I apply through 1West ABLE or directly with an SBA lender?
- Choose ABLE if you meet 1West's general requirements and want to compare SBA loans against other financing types in one application with guidance. Go direct if you already know you want an SBA product from a specific bank, have an existing relationship there, or fall outside 1West's general thresholds, such as six months in business.
- How do you get business funding with bad credit?
- Look at financing that leans on business assets or receivables. 1West describes accounts receivable financing as using funds due from clients as collateral, and unsecured working capital as approved based on cash flow. Each still has requirements, and 1West generally asks for a 600+ FICO score. Improving credit first widens your SBA options.