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1West business loans review

Get multiple offers for free from this highly rated service, but watch out for strict repayment terms.

Bottom line: 1West offers funding within 48 hours, but your unsecured loan may require daily or weekly repayments.

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Min. Amount


Max. Amount


Min. Amount$5,000
Max. Amount$1,000,000
Loan term2 to 18 months
Min. Credit Score500

Pros and cons


  • High ratings from customer reviews
  • Works with over 50 lenders
  • Get your funding within 48 hours of approval
  • Variety of financing options


  • Details around loan terms are unclear
  • Not a direct lender
  • Interest rates high, compared to a bank
  • Requires daily or weekly repayment

Our take on 1West

1West is a lending marketplace — sometimes called a connection service — that allows you to apply for the loan you want once and get multiple offers from the lenders associated with the service.

And in that lane, 1West has a lot to offer: It works with over 50 lenders and offers funding within 48 hours for some of its products. The service also has great reviews from its customers and offers a Price Match Guarantee that can help ensure you get the best interest rate on your loan.

But 1West isn’t a direct lender, meaning it can only supply you with the general details surrounding the loan products its lenders offer. And if you’re looking for an unsecured working capital loan, you should be sure that daily or weekly repayments align with your business budget.

1West’s rates, fees and terms

This service offers a variety of business financing options but only three loan products — unsecured term loans, lines of credit and SBA loans. And while 1West lists some approximate starting interest rates and base loan terms, the details of your loan depend on the lender whose offer you accept.

This is especially true for the fees you’re charged. 1West offers its service for free, but your lender fees may widely vary. Some customer reviews have complained of only getting offered loans with high APRs, or loan programs that didn’t match their needs.

So, check to ensure the information is up to date before you apply.

How 1West compares to other lenders

If this marketplace isn’t right for your business needs, take a few minutes to compare these connection services. Select Go to site or Read Review to learn more about the requirements and options these services offer.

1 - 6 of 6
Name Product Filter Values Min. Amount Max. Amount APR Requirements
Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★
Lendio business loans
Starting at 6%
Operate business in US or Canada, have a business bank account, 560 personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
SMB Compass
Finder Rating: 4.4 / 5: ★★★★★
SMB Compass
Starting at 5.99%
2 years in business, $25,000 monthly revenue, business bank account
Enjoy personalized solutions and a consultative approach to business lending.
ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★
ROK Financial business loans
Starting at 6%
Eligibility criteria 1+ year in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
Apply for up to $5 million with a 15-second online application. Choose your best offer and get funded as soon as the same day.
OnDeck short-term loans
Finder Rating: 4.6 / 5: ★★★★★
OnDeck short-term loans
29.9% to 65.9%
625+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
Receive flexible financing at competitive fixed rates from this A+ rated business lender.
Finder Rating: 4.6 / 5: ★★★★★
Starting at 1%
600+ personal credit score, 1+ years time in business, $140,000+ minimum annual revenue, active business checking account required
Prequalify with this lending marketplace using an easy application process. Plus, work with real loan experts to make the best decisions on loan programs for ERC, SBA, e-commerce, cannabis and other loan categories.
Bluevine business lines of credit
Finder Rating: 4.3 / 5: ★★★★★
Bluevine business lines of credit
Estimated 8% to 86%
24+ months in business, $40,000+ in monthly revenue, 625+ credit score
Get approved for a revolving credit line in as fast as 5 minutes.

1West reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 3 out of 5 stars, based on 6 customer reviews
Trustpilot Score 4.5 out of 5 stars, based on 132 customer reviews
Customer reviews verified as of 01 July 2022

The vast majority of customers rave about their experiences with 1West, specifically calling out the representatives they worked with and the help they secured for their businesses.

Complaints include insulting or lackluster customer service from individual representatives, and 1West staffers advising applicants to apply despite being ineligible.

How to qualify

Your eligibility depends on the type of loan you need and the amount you request, but you can expect to face the following minimum requirements:

Loan typeMinimum FICOMinimum time in businessMinimum gross monthly sales
Unsecured working capital loans5003 months$10,000
SBA loans6503 years$25,000
Lines of credit5003 months$10,000

How the application works

1West claims its application process can take as little as 15 minutes and doesn’t include a hard credit pull.

  1. Create an account and apply. Start by creating an account, but you must complete the entire application before you can really explore the logged-in parts of the site. There’s no fee to apply, but you’ll need to supply the following information:
    • Business contact information
    • Number of employees, entity type and tax ID
    • Ownership information, including your personal Social Security number
    • Three to six months of bank statements uploaded as PDFs
    • Your business debt schedule
    • Two years of business tax returns
    • Two years of personal tax returns
    • A profit and loss statement
  2. Choose a loan type. You may already know what kind of financing you’re looking for, but if you need some help, 1West has a series of question-and-answer prompts to help you find the product you need.
  3. Compare your offers. Your application should result in offers from the lenders in the 1West network. If you have any questions about the offers or need help, call a service representative during business hours.

1West offers rate-matching

1West has one special promotion to take advantage of if you decide to go with this lending marketplace: a price-match guarantee.

If you get approved for a loan of $20,000 or more with 1West and another lender offers you a lower interest rate, 1West will either offer a better rate or give you a $500 Amazon gift card.

Is 1West legit?

1West finance is a legit lending marketplace that outlines how it uses the information it gathers to connect you with lenders in its service.

Its website is encrypted and secure, and its privacy policy covers a variety of details on how and why your information is collected and shared. The company is headquartered in New York City, New York.

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