Equipment Financing

The gear that gets you there.

Large and small investments. Vehicles, construction equipment, furniture, tech. Whatever the tools of your trade — 1West puts them within reach.

  • 7%

    Rate as low as

  • 5-60 months


  • $10K-$5M


  • 1 week

    Time to Fund

What is Equipment Financing?

Equipment financing through 1West exists to make it as simple as possible for small businesses to buy and lease just what they need. Flexible terms and rates deliver a streamlined means to get almost any type of equipment. It means necessary equipment right now — with payments over time — instead of saving a large lump sum.

  • Used or New Equipment
  • No Leasebacks (can’t lease back equipment a customer already owns)
  • Most equipment types eligible, including software

Is an Equipment Loan right for me?

What types of equipment can I buy or lease with my funds?

The list is long — spanning vehicles, construction equipment, furniture and fixtures to technology like computers, phone systems, servers — even software.

Which equipment loan option is best for me?

There are multiple programs and loan types available for equipment. The best choice is often driven by the type of equipment you need. 1West specialists are happy to help you weigh and understand your options.

Why consider a loan instead of paying all at once?

Operating without key equipment often means compromising productivity, quality or both. Instead of waiting to save or paying large sums up-front, the right loan allows you to meet every opportunity and keep liquidity.

Low rates

1West experts and our ABLE Automation Engine work together to find you more competitive rates as low as 7%.

Tech, tools, fewer rules

Our loans finance almost every type of equipment, from furniture to heavy machinery to software, new or used.

Loan or lease

Land the best price from vendors with the option to buy or lease equipment with flexible funds.

Flexible terms

Financing ranges from $10,000 to $20,000,000 to fit short-term needs or big business moves.

If you’ve earned the work, the right equipment shouldn’t stand in the way of business. Get the funds and get the equipment you need to grow to your potential. 1West makes it affordable and practical to find the right fit.


  • Funds a range of equipment, new or used
  • Allows immediate purchase while keeping liquidity
  • Fast approvals and flexible terms

Minimum qualifications

  1. 550 minimum FICO score
  2. 1+ year in business
  3. 10k minimum monthly gross sales

What you’ll need to apply

  1. Business Application
  2. Last 6 Months of Business Bank Statements
  3. Invoice for Equipment
  4. Most recent business tax return

Let’s get down to small business.

There’s the 1West way to get smart financing fast, and there’s everything else. We believe in your small business, and we believe in our approach. No nonsense. No surprises. Just expert guidance from start to finish.

Join our SME community

“As a growing company, we need financing to maintain cash flow in order to cover a variety of business expenses. We are very grateful to 1West for providing short-term financing solution to us when we need it the most, helping us to improve our cash flow and grow our business further.”

George Maciel

Local café owner

Common questions. Straight answers.

How do I apply?

Please go to to apply and get options with a few clicks of a button.

How Do I Check My Application Status?

Login to your portal at to check your application status. It can take up to 2 business days for an update to occur.

What are the minimum requirements to apply for financing at 1West?

  • Completed Application
  • 3 Months of Business Bank Statements
  • $10,000 in monthly revenue
  • 3 Months in Business

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.