Business Details
11 Years
experience
Trusted Business Loans and Financing Solutions in Westminster, CA
Since the financial crisis of 2008, 1 Business Loans has emerged as a critical resource for small and medium-sized businesses denied traditional financing. Our mission centers on providing accessible capital through innovative lending programs, prioritizing integrity and competitive pricing. With over 20 tailored financing solutions, we specialize in bridging gaps left by conventional banks, serving businesses across diverse sectors including retail, hospitality, healthcare, and transportation. Our executive team leverages deep industry expertise to streamline the application process, requiring minimal documentation and offering approvals in as little as 12 hours.We emphasize transparency, with no hidden fees or collateral requirements for most programs, while maintaining strict compliance with federal credit regulations. Our track record demonstrates a commitment to empowering business growth through flexible terms, rapid funding, and personalized support from experienced professionals.
Services
Business Loans
Merchant Cash Advances
Equipment Financing
Line of Credit
Term Loans
Secured Loans
Details
- Year established: 2015
Highlights and features
- We offer 20+ financing programs for diverse business needs
- Our loans are tax-deductible with no collateral requirements
- We provide unsecured financing options for businesses with credit scores as low as 500
- Our BLOC program offers revolving lines of credit up to 4x monthly revenue
- We maintain strict compliance with federal equal credit opportunity regulations
What people say
Quick infusion of cash
Helpful staff
Fast turnaround
Competitive rates
Flexible terms
Services
Business Loans
Our business loans provide working capital for inventory purchases, operational expenses, and business expansion. With terms from 12 to 48 months and APRs starting at 5.99%, these loans require minimal documentation and offer approvals in as little as 12 hours. Businesses with gross annual sales over $100,000 qualify for amounts ranging from $25,000 to $500,000.
Merchant Cash Advances
Merchant cash advances offer flexible financing for businesses accepting credit card payments. With no fixed payments or collateral requirements, this option provides immediate capital based on future receivables. Repayment adjusts with business performance through daily ACH withdrawals, making it ideal for seasonal or variable revenue businesses.
Equipment Financing
Our equipment financing solutions help businesses acquire computers, vehicles, and machinery without upfront deposits. This program eliminates traditional leasing complexities while allowing ownership of purchased assets. Funding typically occurs within 5-7 business days after approval, with terms matching equipment lifespan.
Modified Line of Credit
This flexible financing option provides revolving credit lines up to $2,000,000 with interest-only payments on utilized amounts. Businesses maintaining $7,500+ monthly revenue qualify for two-year terms with daily ACH repayments. The program allows partial draws and offers continued access without reapplication for the term duration.
Term Loans
Our term loans feature fixed interest rates starting at 5.99% APR with monthly or bi-weekly payments. Available for 1-5 year terms, these loans suit businesses seeking predictable repayment schedules. Larger amounts up to $2,000,000 require standard documentation including tax returns and financial statements.
Questions
What types of business loans do you offer?
We offer term loans, merchant cash advances, equipment financing, lines of credit, and secured/unsecured business loans with APRs starting at 5.99%.
How quickly can I get approved for a loan?
Approvals occur in as little as 12 hours with funds available in 4-5 business days for most programs.
What are the basic eligibility requirements?
Minimum requirements include $8,000 monthly revenue, $1,000 average bank balance, 1+ years in business, and 500+ credit score.
Do you require collateral for business loans?
Most programs are unsecured, though collateral can increase loan amounts. Our BLOC program uses real estate equity for larger lines of credit.
How does repayment work for your financing options?
Repayment options include daily ACH withdrawals, monthly payments, or bi-weekly installments depending on the specific program selected.
