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Unsecured Working Capital

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

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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.

Is unsecured working capital right for me?

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.
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.

No collateral required
Secure the capital you need based on cash flow — without having to pledge any type of asset or collateral.

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

Fast time to fund
Idea when you cash fast, you can be approved in a little as 6 hours and funding in about 48 hours.

Early payoff discount
1West clients who shorten payment cycles are eligible for an early payoff incentive to help fund what’s next.

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.
While your business may be financially sound and growing — surprises happen. 1West is here to bridge the gap through our unsecured working capital loans. This fast, flexible capital ensures your operations can continue without a hitch and your credit rating remains unscathed.

Advantages

What you’ll need to apply

Minimum qualifications

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.
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Join our SME community

“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.”
George Maciel
Local café owner

Common questions. Straight answers.

How do I apply?
What documents will I need to upload?
What are the longest terms I can get for my loan?
Will a low credit score affect my chances of being approved?
How soon will I have access to my money after I’m approved?
Looking for more? Visit our FAQs page or contact us.

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1 West © 2024 All rights reserved

Loans
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Follow us
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