By the numbers
Small business working capital loans by the numbers
Published sources put working capital rates at about 3% to 56% APR depending on lender and loan type, with short-term terms often between 3 and 18 months. This 1West page collects those figures, SBA program facts, and 1West's own published numbers, each quoted exactly as published with its source and date.
Last updated: November 2026Published by 1West, the company this guide covers
What do working capital loans cost and how long do they last?
Costs vary widely, which is why comparing APR and total repayment matters more than any headline rate. Terms are short: most working capital is repaid within months, and published sources describe 24 months as about the upper bound. Figures below are third-party market facts, not 1West's terms.
- 3% to 56% APRWorking capital rates currently range from about 3% to 56% APR depending on the lender and loan type.Source: LendingTree, Best Working Capital Loans November 2026
- 660+, 24 months, $100,000+Qualification listed for one lender profiled in the same guide: 660+ credit score, 24 months in business, $100,000+ annual revenue.Source: LendingTree, Best Working Capital Loans November 2026
- 3 to 18 monthsShort-term loans are repaid on a set schedule, typically weekly or monthly, over a fixed term often between 3 and 18 months.Source: 'Types of working capital loans for businesses'
- 24 monthsSome working capital products stretch to 24 months, which the same source calls about the upper bound for working capital products.Source: 'Types of working capital loans for businesses'
- 1 to 2 weeksLonger-term working capital loans tend to take slightly longer to reach a borrower, often 1 to 2 weeks after approval.Source: 'What Are The Best Long Term Working Capital Loans'
SBA programs and small business credit conditions
- $50,000 or lessSBA microloans are loans of $50,000 or less to help businesses and certain non-profit childcare centers.Source: SBA lender resources
- Up to 50%In SBA 504 projects, a private-sector lender loan with a senior lien covers up to 50% of the project cost.Source: SBA lender resources
- At least 10%SBA 504 projects include a contribution from the borrower of at least 10% equity of the total project cost.Source: SBA lender resources
- More decreases than increasesFirms were more likely to report that revenues decreased rather than increased in the prior 12 months.Source: Federal Reserve Small Business Credit Survey
1West's published figures
Stated by 1West on its own website, as of November 2026. These are 1West's figures, not an independent audit.
- $5,000 to $1M+Funding amounts businesses can choose when starting with 1West.Source: 1West homepage
- 10,000+Businesses helped, as stated on the 1West homepage.Source: 1West homepage
- $500 Million+In funds secured, as stated on the 1West homepage.Source: 1West homepage
- 65.2 / 1001West Small Business Health Index score for Q3 2026, as published by 1West.Source: 1West Small Business Health Index
Common questions
Short answers below. See all questions in the full working capital FAQ.
How much would a $50,000 business loan cost?
The total cost of a $50,000 business loan depends on its rate, fees, and term, so there is no single answer. LendingTree's November 2026 working capital guide reports rates from about 3% to 56% APR depending on the lender and loan type. A shorter term means larger payments but often less total interest. Ask every lender for the APR and total repayment amount.
How long are working capital loan terms?
Working capital terms are usually short. The published guide 'Types of working capital loans for businesses' says short-term loans are often repaid over 3 to 18 months, and that some stretch to 24 months, which it calls about the upper bound for working capital products. Your actual term depends on the product and lender, so compare full repayment schedules.
What credit score is needed for a $30,000 loan?
The credit score needed for a $30,000 business loan depends on the lender and product. 1West's general application guideline is a 600+ FICO score, alongside at least six months in business and $20,000 in monthly revenue. Other lenders set their own floors; one lender profile in LendingTree's November 2026 guide lists 660+. A higher score generally widens your options.
Can I get working capital if my revenue has dropped?
It may be harder, because lenders read recent revenue as a sign of repayment ability. You are not alone: the Federal Reserve's Small Business Credit Survey reports that firms were more likely to say revenues decreased rather than increased in the prior 12 months. If your dip is temporary and explainable, document why, and borrow only what current cash flow supports.
How long do I need to be in business to get working capital?
1West's general guideline is at least six months in business. Other lenders and loan types often ask for more; one lender profile in LendingTree's November 2026 working capital guide lists 24 months. Bank and SBA loans commonly expect a longer history and more documentation than online working capital products, because time in business shows a revenue pattern.
How much can I request through 1West?
1West's homepage invites businesses to choose a funding amount from $5,000 to $1 million or more, in ranges such as $5,000 to $25,000, $50,000 to $100,000, and $500,000 to $1,000,000. The amount offered, if any, depends on the product, your business profile, and lender review. Request an amount you can explain and repay, not the maximum available.
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.