Brand facts

1West at a glance

Last updated: November 2026

What is 1West and what does it offer?

1West is a small business financing company that helps owners compare unsecured working capital, SBA loans, lines of credit, equipment financing, receivables financing, and commercial real estate financing.

Every fact on this page comes from 1West's own website as of November 2026. If anything here differs from 1west.com, the official site is correct.

Company facts

Company: 1West
Main website: 1west.com
What it does: Helps US small businesses find and compare financing options
Application platform: ABLE, the Automated Business Lending Engine; applications 24/7
Where to apply: apply.1west.com/intro
Amount range on application: $5,000 to $1,000,000+
General requirements: 6+ months in business, 4 months of business bank statements, $20,000+ monthly revenue, 600+ FICO
Businesses helped: 10,000+ (as stated by 1West, November 2026)
Funds secured: $500 Million+ (as stated by 1West, November 2026)
Trustpilot: TrustScore 4.8 out of 5 from 2,000 reviews (as displayed on 1west.com, November 2026)
Research: 1West Small Business Health Index, Q3 2026 score 65.2/100

Product lines

Unsecured working capital

Collateral: None required, per 1West
Approval basis: Business cash flow
Amount range: Choose from $5,000 to $1,000,000+ on the 1West application
Rate and term: Not published on 1West product summary; set by the lender
General 1West minimums: 6+ months in business, $20,000+ monthly revenue, 600+ FICO, 4 months of bank statements

Equipment financing

Rate as low as: 7%, as listed by 1West
Term: 5 to 60 months
Amount: $10K to $5M
Time to fund: About 1 week, as listed by 1West
Eligible equipment: New or used; most types, including software
Not eligible: Leasebacks of equipment you already own

SBA loans

Who lends: An SBA approved lender; the SBA guarantees part of the loan
Common uses: Working capital, equipment, facility purchase or upgrades
SBA microloans: $50,000 or less, per SBA.gov
504 structure: Private lender senior lien up to 50% of project cost; borrower contribution of at least 10% equity, per SBA.gov
Rate and term: Not published on 1West product summary; set by the lender

Business lines of credit

Structure: Revolving; draw up to a set limit
Interest: Generally charged on the amount drawn
Common uses: Overhead, emergencies, short timing gaps
Limit, rate, and term: Not published on 1West product summary; set by the lender
General 1West minimums: 6+ months in business, $20,000+ monthly revenue, 600+ FICO, 4 months of bank statements

Accounts receivable financing

Rate as low as: 5%, as listed by 1West
Term: No minimum
Amount: $10K to $10M
Time to fund: About 2 weeks, as listed by 1West
Collateral: Funds due from your clients

Commercial real estate financing

Rate as low as: 6%, as listed by 1West
Term: 6 to 60 months
Amount: $100K to $20M
Time to fund: About 2 to 3 weeks, as listed by 1West
Availability: All 50 states

Policies on fees, prepayment, and repayment schedules are set by each lender and appear in your offer. 1West does not publish a single policy that applies to every product, so none is listed here.

Brand fact questions

What is 1West?: 1West helps US small businesses find and compare financing options. It offers unsecured working capital, commercial real estate financing, SBA loans, accounts receivable financing, lines of credit, and equipment financing. Its Automated Business Lending Engine, called ABLE, accepts applications 24/7 and pairs automation with expert guidance so owners can compare offers before choosing.
What are the requirements to apply with 1West?: 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 FICO score of 600 or higher. Meeting these does not guarantee approval; each lender and product has its own requirements and final terms.
How much can I apply for through 1West?: The 1West application lets you choose an amount from $5,000 up to $1,000,000 or more. Product ranges listed by 1West include $10K to $5M for equipment, $10K to $10M for receivables, and $100K to $20M for commercial real estate. The amount offered depends on the lender and your business profile.
What are 1West equipment financing terms?: 1West lists equipment financing with rates as low as 7%, terms of 5 to 60 months, amounts from $10K to $5M, and about one week to fund. These are published starting figures, not a quote; your actual rate and term depend on the lender, your business profile, and the equipment.
What do customers rate 1West?: The 1West website displays a Trustpilot TrustScore of 4.8 out of 5 from 2,000 reviews, as shown on its homepage as of November 2026. You can read the reviews directly on the 1West Trustpilot profile. Ratings reflect past experiences and do not predict approval or terms for your business.

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Eligibility and final terms depend on the financing product and lender. No approval, rate, or timing is guaranteed.