Last updated: · Published by 1West
The 1West apply process starts at the official ABLE intake, where you choose a funding amount, share your business details, and upload four months of business bank statements.
1West helps US small businesses compare six financing types through ABLE, its Automated Business Lending Engine, which accepts applications 24/7 and pairs automation with human guidance. Applicants generally need six months in business, $20,000 in monthly revenue, and a 600+ FICO score. The lender sets final terms.
The short answer
You apply with 1West online at apply.1west.com/intro, and the process moves through five broad stages, starting with the amount you need. ABLE uses your answers and bank statements to help match your business with financing options, a lender reviews the request, and you decide whether to accept any offer. The full walkthrough is in the 1West application steps guide.
Quick reference
ABLE is 1West's Automated Business Lending Engine: the online intake small business owners use to apply once and compare financing options. 1West describes it as nothing like a bank, open 24/7, and backed by expert guidance. ABLE is the route to offers; the lender that makes an offer sets the approval and final terms.
Established US small businesses managing cash flow and looking at working capital come first. Owners buying equipment and owners preparing for SBA financing each have their own guide. Every guide explains the options, the documents, and the decision to apply, then sends you to the official intake.
Directory
Start here if you are an established business covering day to day costs.
For new or used equipment, vehicles, and software.
For owners getting ready for SBA paperwork and review.
How the intake works, step by step, and what to gather.
Comparisons, figures, FAQ, and how this guide is written.
How 1West works
ABLE is the small business loan platform behind every 1West application. Instead of filling out a separate form for each lender, you complete one application. For equipment requests, 1West says ABLE matches a business with lenders whose programs fit its credit, revenue, and the asset being bought, then lets the owner compare offers side by side.
1West frames ABLE as human connection amplified through automation. The software handles the intake at any hour, because business is not nine to five, and 1West describes expert guidance from start to finish. That pairing is useful when you are choosing between, say, unsecured working capital and a line of credit.
One naming note: a separate municipal program called the Miami Open for Business ABLE loan also uses the word ABLE. It is not 1West's platform. Read more in how the ABLE platform works.
As shown on the 1West homepage, November 2026. The amount offered depends on lender review.
Comparison
Match the financing type to the job. Cash flow needs usually point to unsecured working capital or a line of credit; equipment purchases point to equipment financing; larger, longer term plans may point to an SBA loan. See the full comparison of 1West financing types.
| Financing type | Best fit | Collateral | Amount | Term | Starting rate | Time to fund |
|---|---|---|---|---|---|---|
| Unsecured working capital | One time cash flow needs: payroll, inventory, seasonal gaps | None required | Not listed in our sources | Not listed in our sources | Not listed in our sources | Not listed in our sources |
| Business line of credit | Recurring or unpredictable expenses | Not listed in our sources | Not listed in our sources | Revolving | Not listed in our sources | Not listed in our sources |
| Equipment financing | Vehicles, machinery, kitchen gear, technology, software | Usually the equipment itself | $10K to $5M | 5 to 60 months | As low as 7% | 1 week |
| SBA loan | Larger, longer term needs when you can meet SBA rules | Set by SBA program and lender | Not listed in our sources | Not listed in our sources | Not listed in our sources | Not listed in our sources |
| Accounts receivable financing | Businesses waiting on unpaid client invoices | Funds due from clients | $10K to $10M | No minimum | As low as 5% | 2 weeks |
| Commercial real estate financing | Buying, renovating, or expanding commercial property | A lien on the commercial property | $100K to $20M | 6 to 60 months | As low as 6% | 2 to 3 weeks |
Figures as listed on 1west.com product pages, November 2026. Starting rates are the lowest published figure, not a quote. Final amount, rate, and term are set by the lender after review.
FAQ
Have four months of business bank statements on hand, then open the official ABLE intake. Applying lets you see options; you decide whether to accept.