1West receivables
Accounts receivable financing
Last updated: November 2026
What is accounts receivable financing?
Accounts receivable financing is a loan where funds due from your clients serve as the collateral.
1West lists accounts receivable financing from $10K to $10M, with rates as low as 5%, no minimum term, and about two weeks to fund. Instead of relying mainly on credit, lenders look at what your clients owe you, which lets you keep cash free while you wait to be paid.
Accounts receivable financing at a glance
- 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
Figures as listed on the 1West accounts receivable financing page, as of November 2026. "As low as" rates are not a quote.
What is accounts receivable financing?
Accounts receivable financing goes by several names, including asset based loans and invoice financing. The idea is simple: your unpaid invoices become collateral. 1West puts it this way: instead of credit, lenders look at funds due from clients as collateral for your loan.
When it is a strong fit
- Business to business companies with slow paying clients
- Owners whose credit profile is weaker than their invoices
- Growing firms that need cash before invoices clear
When another option fits better
If you sell mostly to consumers and do not carry invoices, receivables financing will not apply; consider working capital or a line of credit instead.
When clients become collateral, the cash you have already earned can start working before it arrives.
Why receivables can help with weaker credit
Because the collateral is the money your clients owe, the strength of those clients and invoices carries real weight. For owners searching how to get business funding with bad credit, this is one of the structures worth understanding first.
How to apply for accounts receivable financing
Review your receivables
List outstanding invoices, who owes them, and how long they usually take to pay.
Apply through ABLE
One 1West application lets you compare receivables financing with other options.
Use the cash, collect as usual
Fund operations now while clients pay on their normal schedule.
Official product details: Accounts receivable financing on 1west.com. Compare every option on our small business funding options page.
Questions about accounts receivable financing
- How do I get business funding with bad credit?
- To get business funding with bad credit, lean on what your business has besides the score: steady revenue, equipment, or unpaid invoices. Equipment financing uses the asset as collateral, and receivables financing uses funds due from clients. Note that 1West generally looks for a 600+ FICO, so improving your score first may widen your options.
- Do I need collateral for a business loan?
- Not always. 1West unsecured working capital requires no assets or collateral and is approved based on cash flow. Equipment financing uses the equipment as collateral, receivables financing uses funds due from clients, and commercial real estate loans are secured by a lien on the property.
- What documents are needed for a business loan?
- For most applications through 1West, the core document is four months of business bank statements. Depending on the product, lenders may also request tax returns, financial statements, a debt schedule, equipment quotes, or details of outstanding invoices. SBA and real estate loans usually need the most documentation, so organize those early.
- How long does it take to get funds?
- Funding time depends on the product and lender. 1West lists about one week for equipment financing, about two weeks for accounts receivable financing, and about two to three weeks for commercial real estate financing. SBA loans generally involve a longer review. Responding quickly to document requests is the best way to avoid delays.
- How can you reduce your total loan cost?
- You can reduce your total loan cost by borrowing only what you need, choosing the shortest term your cash flow can handle, comparing several offers on total repayment, asking about prepayment savings, and improving your credit before applying. Applying once through 1West lets you compare multiple offers side by side, which is the simplest place to start.
Other 1West financing options
Compare accounts receivable financing offers with one application
ABLE accepts applications 24/7 and the 1West team helps you weigh the offers you receive.
Eligibility and final terms depend on the financing product and lender. No approval, rate, or timing is guaranteed.