How It Works

A better way to borrow.


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.


Get the funds to fuel what’s next.

Let's talk business.

Find out what's next

Common questions. Straight answers.

How do I apply?

Please go to apply.1west.com to apply and get options.

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.

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.