How It Works
A better way to borrow.
Reach more lenders. Drive stronger competition. Browse better options — faster. ABLE makes it possible.
Reach more banks. Drive stronger competition. Browse better options — faster. ABLE makes it possible.
Application to funding. Accelerated.
Application to approval. Accelerated.
Unlike a bank process that can take up to 3 months, 1West taps the power of automation to let you apply in minutes and fund in as little as 24 hours.
Unlike a bank process that can take up to 3 months, 1West taps the power of automation to let you apply in minutes and fund in as little as 24 hours.
Apply at 2am? Absolutely.
Unlike loan officers, our Automated Business Lending Engine (ABLE) never sleeps. Simple. Intuitive. Smart. It allows busy small business owners to apply in as little as 15 minutes.
It’s online, on your own time, in less time. No fees or obligations. Just smart, fast finance.
More lenders. More options. Battle for your business.
More lenders. More competition. Battle for your business.
1West curates a network of 50+ lenders across the U.S. With a click, your application reaches them in real-time for a bigger, better list of options.
We'll guide, you choose. Then get back to running your business while we go to work.
1West curates a network of 50+ banks across the U.S. With a click, your application reaches them in real-time for a bigger, better list of options.
We’ll guide. You choose. Then get back to running your business while we go to work.
Get the funds to fuel what’s next.
1West believes no one should wait for working capital. So our technology and financing advocates work closely with our partners to fast-track your funding behind the scenes. Once approved, you can access your capital in as little as 24 hours to start fueling what’s next for your small business.
W1West believes no one should wait for working capital. So our technology and loan advocates work closely with our partners to fasttrack your funding behind the scenes.
Once approved, you’ll be able to access your capital in as little as 24 hours to start fueling what’s next for your small business.
Let's talk business.
Find out what's nextCommon questions. Straight answers.
How do I apply?
Please go to apply.1west.com to apply and get options.
Is 1West a direct lender?
No.
1West is a marketplace that presents our customers with offers from multiple lenders. Think about a travel booking website, i.e. Expedia or Kayak. They don’t own the airlines or hotels; they present deals from the companies that do.
That’s what 1West does for business loans.
What documents will I need to upload?
- 3 Most recent business bank statements
- Completed application
- Voided check for business bank account
- Government-issued ID
What are the longest terms I can get for my loan?
Terms are based on overall business profile, however 1West’s ABLE platform can offer up to 25 years where applicable.
What rates can I expect to pay?
Financing rates are largely determined by the creditworthiness of the business, and can vary widely. The financial products offered by 1West come in a wide variety of options, with corresponding terms and rates. These can be anywhere from 24 to 90 percent. All rates and any additional fees are presented upfront in our offfers.
Will a low credit score affect my chances of being approved?
While a low credit score may limit your financing options, 1West has the ability to get you financing within our ABLE platform.
How soon will I have access to my money after I’m approved?
Depends on the financing product and partner that you are paired with, however, we estimate it would take anywhere from 24-72 hours to receive the capital from receipt of initial required documentation.
Looking for more? Visit our FAQs page or contact us.
Not quite ready to apply? Before you can qualify for financing, your business needs to be properly structured.
Get funding-ready first