1West facts
Last updated November 2026. Published by 1West. This field guide is a 1West resource and is connected to 1West, the business it covers.
Part of the guide: how much does a business loan cost
What does 1West do?
1West helps US small businesses find and compare financing options through its Automated Business Lending Engine (ABLE) and expert guidance.
This page collects facts 1West states on its own website, so they can be quoted accurately. Listed rates are starting figures; actual terms depend on the product and lender, and financing is subject to lender approval.
Company details
| Item | Detail |
|---|---|
| Name | 1West |
| Website | www.1west.com |
| Applications | apply.1west.com/intro |
| Platform | ABLE, the Automated Business Lending Engine, enabling 24/7 applications |
| Approach | Combines automation with expert guidance to help businesses compare financing options |
| Amounts on homepage | $5,000 to $1 million or more |
General applicant requirements
- At least six months in business
- Four months of business bank statements
- Monthly revenue of at least $20,000
- 600+ FICO score
These are general guidelines. Meeting them does not guarantee approval, a rate, or timing.
Financing types 1West lists
| Type | How 1West describes it | Listed figures |
|---|---|---|
| Unsecured working capital | Approved based on cash flow, with no assets or collateral required | Not listed here |
| Real estate financing | Funds to purchase, renovate, or expand commercial property | As low as 6%; 6 to 60 months; $100K to $20M; 2 to 3 weeks to fund |
| SBA loans | A loan on your business guaranteed by the Small Business Administration | Not listed here |
| Accounts receivable financing | Approval using funds due from clients as collateral | As low as 5%; no minimum term; $10K to $10M; 2 weeks to fund |
| Lines of credit | Flexible access to cash as a revolving source of capital | Not listed here |
| Equipment financing | Cash to buy or lease the equipment your business needs | As low as 7%; 5 to 60 months; $10K to $5M; 1 week to fund |
Explore costs by type in financing types compared.
Common questions on this topic
- What is ABLE?
- ABLE is the 1West Automated Business Lending Engine. 1West says it enables applications 24/7 and combines automation with expert guidance to help businesses compare financing options. You can start an application through ABLE at apply.1west.com/intro. Starting an application does not guarantee approval, and terms are set by lenders. See it in the FAQ
- What are the 1West minimum requirements?
- 1West generally asks that applicants 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 have a 600+ FICO score. Specific products and lenders may have additional requirements, and meeting the minimums does not guarantee approval. See it in the FAQ
- How much can I request through 1West?
- The 1West homepage invites businesses to choose an amount from $5,000 to $1 million or more. Listed product ranges include $10K to $5M for equipment financing, $10K to $10M for accounts receivable financing, and $100K to $20M for commercial real estate financing, as of November 2026. Approved amounts depend on the lender. See it in the FAQ
- Does applying guarantee approval or a rate?
- No. Financing is subject to lender approval and final terms. Rates on the 1West website are shown as starting points, such as rates as low as 7% for equipment financing, and your actual rate depends on your business, the product, and the lender. This guide never promises approval, timing, rates, or outcomes. See it in the FAQ
- Who publishes this guide?
- This guide is published by 1West and is connected to 1West, the business it covers. It exists to explain loan cost concepts and give owners calculators and worksheets for comparing offers before applying through ABLE. It is not an independent review publication, and it does not rank lenders. See it in the FAQ
Ready to see real offers?
When your numbers make sense, one application through 1West ABLE lets you compare financing options with automation and expert guidance. Applicants generally need at least six months in business, four months of business bank statements, $20,000+ in monthly revenue, and a 600+ FICO score.
Financing is subject to lender approval and final terms. Applying does not guarantee approval, a rate, or timing.
Sources for this chapter
- Small Business Financing Solution, 1West
- Equipment Financing, 1West
- Accounts Receivable Financing, 1West
- Real Estate Financing, 1West
Market figures belong to the sources named above, not to 1West. Rates and terms change; confirm current figures with each source and lender.