Unsecured Working Capital

Tap your cash flow. Watch your business grow.

  • 18%

    Rate as low as

  • 2-24 months


  • $5K-$1M


  • 48 hours

    Time to Fund

What is unsecured working capital?

Unsecured working capital is a common strategy for businesses to acquire capital without pledging any assets or collateral. Instead, this type of financing considers your business’s cash flow via monthly bank deposits to determine eligibility and amount of funds you can borrow.

  • Typically for clients that need funds quickly
  • Early Payoff Discount
  • Minimal Paperwork needed

Is unsecured working capital right for me?

How much money can I receive through this type of financing?

Eligible capital typically amounts to around up to 125% of your monthly revenues. You pay the lender back through a daily or weekly fixed payment via ACH from your funder.

Are there other qualifications for working unsecured working capital?

Beyond cash flow, type of industry, time in business, credit score, and revenue streams are considered for this product. This helps determine not only eligibility but also term, rates, and limits of your financing agreement.

How is this type of financing different from a traditional loan?

This funding strategy differs from traditional financing in that it uses a factor rate instead of a fixed term, repayment schedule or APR.

No collateral required

Secure the capital you need based on cash flow — without having to pledge any type of asset or collateral.

Funds that flex

Capital can be used to fund a variety of business needs from everyday operations to securing growth opportunities.

Fast time to fund

Idea when you cash fast, you can be approved in a little as 6 hours and funding in about 48 hours.

Early payoff discount

1West clients who shorten payment cycles are eligible for an early payoff incentive to help fund what’s next.

While your business may be financially sound and growing — surprises happen. 1West and unsecured working capital are here to bridge the gap. This fast, flexible capital ensures your operations can continue without a hitch and your credit rating remains unscathed.


  • Low FICO requirements
  • Fast approval and funds
  • Funds a variety of business needs

Minimum qualifications

  1. 500 minimum FICO credit score
  2. 3+ months in business
  3. $10,000 min. gross monthly sales

What you’ll need to apply

  1. Business application
  2. Last 3 months of business bank statements

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 apply.1west.com to apply and get options with a few clicks of a button.

What documents will I need to upload?

  • 3 Most recent business bank statements
  • Completed application
  • Voided check for business bank account
  • Govt 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.