About this guide
About the 1West Working Capital Guide
The 1West Working Capital Guide is published by 1West, the small business financing company it covers and is connected to. It exists to help established US small businesses understand cash flow, compare working capital options, prepare documents, and decide whether to apply through ABLE.
Last updated: November 2026Published by 1West, the company this guide covers
Who publishes this website?
1West publishes this website. It is one of a small number of websites 1West publishes, and it is not an independent review site. For products, official terms, and company information, visit 1West's main website.
What 1West does
1West helps small businesses find financing options, including unsecured working capital, commercial real estate financing, SBA loans, accounts receivable financing, lines of credit, and equipment financing.
Why this guide exists
Owners who understand their cash gap and have their documents ready make better borrowing decisions. This guide focuses on that preparation, so applications through ABLE are well matched to the right product.
What it is not
It is not financial, legal, or tax advice, and it does not promise approval, rates, or timing. Financing is subject to lender approval and final terms. See the methodology.
Common questions
Short answers below. See all questions in the full working capital FAQ.
What is ABLE from 1West?
ABLE is 1West's Automated Business Lending Engine, the online intake businesses use to apply and compare financing options. 1West says ABLE accepts applications 24/7 and combines automation with expert guidance, so you can apply outside banking hours and still have people available to help you review options. You can start at apply.1west.com/intro.
Does 1West help me compare different financing types?
Yes. 1West describes itself as helping small businesses find and compare financing options, combining its automated engine with expert guidance. Its website lists unsecured working capital, SBA loans, lines of credit, accounts receivable financing, equipment financing, and commercial real estate financing. Comparing types side by side helps you match the structure to the need.
What are 1West's general requirements to apply?
1West says applicants are generally required to have at least six months in business, four months of business bank statements, monthly revenue of at least $20,000, and a 600+ FICO score. These are general guidelines, not a promise of approval. Specific products and lenders can set different requirements, and final terms depend on lender review.
Does applying through 1West guarantee funding?
No. Applying through ABLE does not guarantee approval, a specific rate, or a funding date. Financing is subject to lender approval and final terms, which depend on the product and your business profile. Applying puts your information in front of the options 1West helps businesses compare, with guidance to help you decide whether an offer fits your cash flow.
Does 1West work with specific industries?
1West publishes financing resources for businesses such as daycares, restaurants, construction companies, laundromats, insurance agencies, financial advisors, and medical practices. Those pages explain how working capital, equipment financing, and SBA loans can support each type of business. Whether a specific business is eligible depends on the product and lender, so check requirements when you apply.
Ready to compare real offers?
Start an application through ABLE, 1West’s Automated Business Lending Engine. Applying is free to start and does not commit you to any offer. Financing is subject to lender approval and final terms.