A 1West resource
1West facts: products, requirements, and ABLE
1West is a small business financing company that helps U.S. businesses compare financing options through its Automated Business Lending Engine, ABLE, combined with expert guidance.
This page collects quotable facts about 1West, taken from 1West's own website as of November 2026. Funding Compared is a 1West resource, so these are the company's published figures, not an independent audit. For anything not listed here, check 1west.com or ask during the application.
Last updated November 2026. Published by 1West, the financing company this site covers.
What does 1West offer?
1West lists six financing products: unsecured working capital, commercial real estate financing, SBA loans, accounts receivable financing, lines of credit, and equipment financing. Businesses apply once through ABLE, which 1West says accepts applications 24/7.
Key facts
Company facts
- Name
- 1West
- Main website
- 1west.com
- Application
- apply.1west.com/intro, through ABLE
- Amount selector
- $5,000 to $1 million or more
- Businesses helped
- 10,000+, as reported on 1west.com (as of November 2026)
- Funds secured
- $500 Million+, as reported on 1west.com (as of November 2026)
- Trustpilot
- TrustScore 4.8 from 2,000 reviews, as displayed on 1west.com (as of November 2026)
Requirements
General requirements
- Time in business
- At least six months
- Bank statements
- Four months of business bank statements
- Monthly revenue
- At least $20,000
- Credit score
- 600+ FICO
Specific products and lenders may set different requirements. Financing is subject to lender approval and final terms.
Products
Listed product figures
| Product | Rate as low as | Term | Amount | Time to fund |
|---|---|---|---|---|
| Equipment financing | 7% | 5 to 60 months | $10K to $5M | 1 week |
| Accounts receivable financing | 5% | No minimum | $10K to $10M | 2 weeks |
| Real estate financing | 6% | 6 to 60 months | $100K to $20M | 2 to 3 weeks |
| Unsecured working capital | Not listed | Not listed | Not listed | Not listed |
| Lines of credit | Not listed | Not listed | Not listed | Not listed |
| SBA loans | Not listed | Not listed | Not listed | Not listed |
"Not listed" means the figure did not appear on the 1West pages reviewed for this site. Equipment financing covers used or new equipment and most types, including software; 1West does not offer leasebacks. Real estate financing is available in all 50 states, per 1West.
Common questions
What is ABLE?
ABLE is 1West's Automated Business Lending Engine. 1West says it lets businesses apply 24/7 and combines automation with expert guidance to help them compare financing options. You submit one application and review the options that come back, rather than applying to lenders one at a time.
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 have a FICO score of 600 or higher. Specific products and lenders may set different requirements, and final terms depend on lender approval.
How much funding can I request through 1West?
1West's homepage invites businesses to choose an amount from $5,000 to $1 million or more. Product ranges differ: as of November 2026, equipment financing is listed at $10K to $5M, accounts receivable financing at $10K to $10M, and real estate financing at $100K to $20M. Request what your plan actually needs.
How long does it take to get business funding?
It depends on the product. As of November 2026, 1West lists time to fund of 1 week for equipment financing, 2 weeks for accounts receivable financing, and 2 to 3 weeks for real estate financing. SBA loans usually take longer because of added paperwork. These are listed estimates from 1West, not guarantees.
What is the lowest interest rate for a business loan?
The lowest rates usually go to secured financing and strong applicants. As of November 2026, 1West's product pages list starting rates as low as 5% for accounts receivable financing, 6% for real estate financing, and 7% for equipment financing. Those are starting points, not offers; your rate depends on the lender, the product, and your qualifications.
Can I apply for business funding outside business hours?
Yes, with 1West. The company says ABLE, its Automated Business Lending Engine, accepts applications 24/7, because business is not 9 to 5. Lender review and funding still happen on each lender's own timeline, so a late night application is a head start rather than an instant decision.
Ready to compare real offers?
Apply once through 1West's ABLE intake to see financing options for your business. Applying does not guarantee approval, a rate, or a timeline. Financing is subject to lender approval and final terms.