1West application documents: what to gather before you apply

Last updated: November 10, 2026 · Published by 1West

For a 1West application you need four months of business bank statements, plus basic business details such as time in business and monthly revenue.

Bank statements are the core document because 1West lists them among its general requirements and lenders use them to see revenue and cash flow. Specific financing types add their own paperwork: a vendor quote for equipment, and more extensive files for SBA loans. Having everything ready avoids delays.

General requirements at a glance

1West general application guidelines
Time in business	6+ months
Business bank statements	4 months
Monthly revenue	$20,000+
FICO score	600+

As described by 1West, November 2026. Products and lenders can set different requirements.

Start at the ABLE intake

Checklist

What documents do I need for a 1West application?

1West application documents by financing type
Document	Needed for	Basis
Business bank statements, 4 most recent months	Every request	1West general requirements
Business legal name and time in business	Every request	1West intake
Average monthly revenue figure	Every request	1West general requirements
Vendor or dealer quote or invoice	Equipment financing	1West equipment process
List of unpaid client invoices	Accounts receivable financing	Commonly requested
Property details and purchase or renovation plan	Real estate financing	Commonly requested
Tax returns, financial statements, business plan	SBA loans	Commonly requested; confirm on SBA.gov

"Commonly requested" marks documents lenders typically ask for with that kind of financing. A lender may ask for more after review.

How do I download my business bank statements?

The general method

Most banks offer statements as PDFs in their app or online banking, usually under a section called Statements or Statements & Documents. Choose the statement period, download the PDF, and save it where you can find it during the application.

1West has published bank by bank instructions for Chase, Bank of America, Wells Fargo, Citibank, and others.

Make sure each statement is usable

Full monthly statements, not screenshots or transaction lists.
All pages included, with the business name and account number visible.
Four consecutive, most recent months.
Business account statements, not personal accounts.

Three months or four months of statements?

Four. 1West's current general requirements list four months of business bank statements. An older 1West article from October 2024 referred to the three most recent statements, but the current description is the one to follow. Gathering the fourth month now costs a few minutes and prevents a follow up request later.

Once your statements are ready, compare your figures in the readiness check, then follow the application steps.

FAQ

Common questions

What documents do I need for a 1West application?: Start with four months of business bank statements, which 1West lists among its general requirements. Have basic business details ready too, such as legal name, time in business, and monthly revenue. Equipment requests usually need a vendor quote or invoice, and SBA loans typically need more paperwork. A lender may ask for additional documents after review.
How do I download business bank statements for my application?: Most banks let you download statements as PDFs from their mobile app or website, usually under a Statements or Documents section. 1West has published step by step instructions for several major banks. Download each full monthly statement rather than screenshots, and make sure the business name and account number are visible on each page.
Does 1West need three or four months of bank statements?: 1West's current general requirements list four months of business bank statements. An older 1West article from 2024 mentioned the three most recent statements. Because the current description says four, gather four complete months before you start. Having the extra month ready avoids a delay if a lender asks for it.
What do I need to apply for equipment financing?: Start with a quote or invoice from the vendor or dealer for the equipment, new or used. 1West's equipment process begins there: get a quote, apply once, compare offers, and in most cases the lender pays the vendor directly. Keep your bank statements and business details ready alongside the quote.
What extra documents do SBA loans usually require?: SBA loans usually require more paperwork than other financing types, because you must meet the US Small Business Administration's eligibility rules and then the lender's own requirements. Lenders commonly ask for tax returns, financial statements, a business plan, and ownership details. Confirm the exact list with the lender and on SBA.gov before you apply.
What happens if a document is missing from my application?: A missing document usually pauses the review until you provide it. The most common gap is an incomplete set of bank statements. Upload all four months as full PDFs, with every page. If a lender asks for something more, send it promptly, because delays on your side extend the overall timeline.

See all 42 questions in the 1West application FAQ

Statements ready? Start your application

Upload your four months of statements on the official ABLE intake.

Start your 1West application

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Keep reading

For full product pages, visit the official 1West website.