Training Example: 1West – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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[H1]
Small Businesses,

Small Businesses,
Innovators,
Change-makers,
Entrepreneurs,

We have your back.

Whatever’s next for your business — the financing you need is out there. 1West is your partner to find more and better options. Fast. Then confidently choose what’s best for you.

[H4]
How much money will make it happen?

$5,000 – $25,000

$25,000 – $50,000

$50,000 – $100,000

$100,000 – $250,000

$250,000 – $500,000

$500,000 – $1,000,000

$1,000,000+

$5K

$1M+

Let’s go find your funds

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10,000+

Businesses helped

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$500 Million+

In funds secured

Trustpilot

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Real-time processing & lending

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Human connection. Amplified through automation.

Midnight dreams? Let’s go.
Driven by our league of tech pioneers is a revolution in lending. ABLE, our premier Automated Business Lending Engine, is the difference. Nothing like banks. Apply on your terms in your time — 24/7.
Because business isn’t 9 to 5.

How it works

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Unsecured working capital

Financing approved based on your cash flow — with no assets or collateral required.

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Real estate financing

Funds to purchase, renovate, or expand new or existing commercial property.

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SBA loans

A loan on your business guaranteed by the Small Business Administration.

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Accounts receivable financing

Keep your cash free and get approved using funds due from clients as collateral.

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Lines of credit

Flexible and easy access to cash when you need it for a revolving source of capital.

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Equipment financing

Easy, flexible access to cash to buy or lease the gear that gets the job done.

[H4] Need help choosing? Try Our Automated Business Lending Engine (ABLE).
Or start a conversation at 888.881.WEST

[H2]
Ten thousand stories of trust

Trustpilot

[H2]
Common questions. Straight answers.

[H4]
What are the minimum requirements to apply for financing at 1West?

6 Months in Business
4 Months of Business Bank Statements
$15,000 in monthly revenue

[H4]
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.

[H4]
How do I check my application status?

Login to your portal at apply.1west.com to check your application status. It can take up to 2 business days for an update to occur.

[H4]
What kind of products does 1West offer?

1West specializes in short term financing lending options but we also offer the following;
Unsecured working capital
Real Estate Financing
SBA loans
Accounts Receivables Financing
Lines of Credit
Equipment Financing

[H4]
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.

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[H1]
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.

See what’s possible

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As seen in

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[H1]
How It Works

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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.

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Application to funding. Accelerated.

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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.

1

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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.

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2

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More lenders. More options. Battle for your business.

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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.

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3

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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.

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Let's talk business.

Find out what's next

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Common questions. Straight answers.

[H4]
How do I apply?

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

[H4]
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.

[H4]
What documents will I need to upload?

3 Most recent business bank statements
Completed application
Voided check for business bank account
Government-issued ID

[H4]
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.

[H4]
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.

[H4]
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.

[H4]
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

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Unsecured Working Capital

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Tap your cash flow. Watch your business grow.

Fast, flexible working capital loans approved based on your cash flow — with no assets or collateral required.

Fast, flexible working capital loans approved based on your cash flow — with no assets or collateral required.

Apply now

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18%

Rate as low as

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2-24 months

Term

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$5K-$1M

Amount

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48 hours

Time to Fund

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What is unsecured working capital?

Unsecured working capital is a common strategy for businesses to acquire capital without pledging any assets or collateral. Instead, these working capital loans consider 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?
[H4] 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.
[H4] Are there other qualifications for getting an unsecured working capital loan?
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.
[H4] How is the unsecured working capital loan 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.
[H4] What kind of businesses use unsecured working capital loans?
Popular industries using unsecured working capital loans include restaurant financing, construction businesses, and medical/dental practices.

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No collateral required

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

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Funds that flex

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

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Fast time to fund

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

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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 is here to bridge the gap through our collateral-free working capital loans. This fast, flexible capital ensures your operations can continue without a hitch and your credit rating remains unscathed.

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Advantages

Low FICO requirements

Fast approval and funds

Funds a variety of business needs

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Minimum qualifications

500 minimum FICO credit score

3+ months in business

$5,000 min. gross monthly sales

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What you’ll need to apply

Business application

Last 3 months of business bank statements

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[H1]
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.

Apply now

[H2]
Join our SME community

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“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.”

[H4]
George Maciel
Local café owner

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Common questions. Straight answers.

[H4]
How do I apply?

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

[H4]
What documents will I need to upload?

3 Most recent business bank statements
Completed application
Voided check for business bank account
Govt Issued ID

[H4]
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.

[H4]
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.

[H4]
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.

[H1]
Real Estate Financing

[H2]
Make space to grow

Get the funds you need fast to purchase, renovate, or expand new or existing commercial property for a steady stream of income.

Apply now

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6%

Rate as low as

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6-60 months

Term

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$100K-$20M

Amount

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2-3 Weeks

Time to Fund

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What is real estate financing?

A Commercial Real Estate (CRE) loan is financing secured by a lien on a commercial property as opposed to a residential property. These properties usually relate to an income-producing entity and loans are often used to purchase, renovate, or expand a new or existing site.

Available in all 50 states
Offered in 1st and 2nd positions
Interest-only options

Is a real estate loan right for me?
[H4] What are CRE loans most commonly used for?
CRE loans are often used to purchase, renovate, or even expand a new or existing site.
[H4] What types of businesses typically apply for CRE loans?
The most common applicants are offices, retail, hotels, and apartments — but others can apply too.
[H4] What types of entities are CRE loans typically made to?
Loans are most often secured by partnerships, developers, funds, trusts, corporations, and real estate investment trusts (REITs).

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Fast approval

Our ABLE Automation Engine brings in banks fast and speeds the application process to as little as 24 hours.

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Big buying power

Finance business moves of all shapes and sizes with loans ranging from $100,000 to $20,000,000.

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Credit friendly

Growing credit scores is part of growing a business, with only a 500 FICO score required to apply.

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Funds available fast

Our experienced loan advocates unite with automation to put your funds in hand in approximately three weeks.

Owning and operating commercial real estate is usually done through companies specifically set up to buy property and lease it to other businesses. Real estate loans are an effective, customizable way to get this type of operation off the ground by financing purchases, development, and construction that can attract valuable, stable rental income.

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Advantages

No minimum gross sales

Flexible funds for a variety of uses

Boutique to big-money lone sizes

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Minimum qualifications

500 minimum FICO credit score

Two years of business tax returns

$% down payment

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What you’ll need to apply

1003 Application

Personal Financial Statement

Real Estate Schedule

2 Years Business Tax Returns

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[H1]
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.

Apply now

[H2]
Join our SME community

[IMG: Cafe Shop Employee Smiling]

“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.”

[H4]
George Maciel
Local café owner

[H2]
Common questions. Straight answers.

[H4]
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

[H4]
What are the longest terms I can get for my loan?

Terms are based on the overall business profile, however, 1West’s ABLE platform can offer up to 25 years where applicable.

[H4]
What types of payment options will I be able to choose from?

1West provides a variety of products that provide the best options for our clients, with the payment options as follows:
Daily payment
Weekly payment
Biweekly payment
Monthly Payment

[H4]
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.

[H4]
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 the initial required documentation.

Looking for more? Visit our FAQs page or contact us.