Flexible financing solutions
Apply
evaluate your business
Underwriting
quick & easy process
Get Funds
Apply online in just a few minutes or call us directly to apply over the phone at (646) 837-5522, its your choice.
Our system evaluates your business and typically provides a decision within hours. Approvals for certain products may take up to 24-48 hours.
Sign your contract, submit closing documents and receive funds into your account via wire transfer or ACH. Available as soon as same day.
We are proud and dedicated to serving small businesses.
Upwise Capital provides all types of small business loans. We use our wise knowledge to custom tailor a financing product that will align with your business needs.
What are my funding options?
Click the title below for each product to see more information.
Loan Amount
$5K to $250K
Unsecured Line of Credit
Loan Amount
$100K to $10MM
Secured Line of Credit
Loan Term
6 Months to 2 Years
Credit Score
500+
Secured Line of Credit: 620+
Interest Rate
7 % - 25 %
Time in Business
Greater than 1 Year
Speed
As Fast As Same Day
Annual Revenue
$150K+
Line of Credit
A revolving business line of credit gives access to a pool of funds to draw from when a business owner needs capital. Unlike a traditional business loan, you have the flexibility to borrow up to a set amount, repaying only the amount you withdraw, plus interest.
- Weekly or Monthly Payments
- Only Pay Interest on the Funds you Draw
- Save on Interest by Paying Back Early
Max Loan Amount
$5K to $5MM
Unsecured Line of Credit
Max Loan Amount
$350K
SBA 7(a) Small & Express Loans
Loan Term
5 to 30 Years
Credit Score
650+
Interest Rate
Starting at 6.75 %
Time in Business
Greater than 2 Years
Speed
As Fast As 2 Weeks
Annual Revenue
Over $200K
SBA Loan
SBA loans are business loans guaranteed by the Small Business Administration. SBA guaranteed loans can range from small to large and can be used for most business purposes.
- Monthly Payments
- Longest Payment Terms
- Low Interest Rates
Max Loan Amount
Up to 100% of Equipment Value
History
Good Financial History
and Tradelines
Loan Term
1 to 8 Years
or Expected Life of Equipment
Credit Score
500+
Interest Rate
As Low As 4 %
Time in Business
6 Months +
Start Ups Encouraged to Apply
Speed
As Fast As 2 Days
Annual Revenue
100K
Equipment Financing
Equipment financing helps you finance up to 100% of the new or used equipment you need for your business. A fast and easy way to finance the purchase of all types of equipment. With a secured loan against your equipment, you can take advantage of the equity in your existing equipment, or use newly-purchased equipment as collateral.
- Avoid large upfront costs for equipment purchased
- Monthly Payments
- Equipment used as collateral
Max Loan Amount
$25K to $20MM
Unsecured Line of Credit
Profitability
Shown on Tax Returns
Loan Term
5 to 30 Years
Credit Score
620+
Interest Rate
7 % - 30 %
Time in Business
Greater than 2 Years
Speed
As Fast As 2 Days
Annual Revenue
Over $200K
Term Loan
A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The “term” in “term loan” comes from its set repayment term length, which will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific, one-off investment for their small business.
- Bi-Weekly & Monthly Payments
- Longer Payment Terms
- Lower Interest Rates
Loan Amount
$5K - $5MM
History
Positive Payment History
Loan Term
3 Months to 2 Years
Credit Score
500+
Interest Rate
9.99 % - 24.99%
Time in Business
6 Months +
Speed
As Fast As Same Day
Annual Revenue
120K+
Short Term Loan
Short-term business loans are lump sum loans that are designed to be paid back in less than 18 months. They can be a flexible financial tool, best used for financing short-term needs—including managing cash flow, dealing with unexpected needs for extra cash, bridging larger financing options, paying off expensive debt, or taking advantage of unforeseen business opportunities.
- Bad Credit Accepted
- Minimal Paperwork & Fast Funding
- Prepayment Discounts for Early Payoff
Loan Amount
Up to 100% of Invoice Amount
Invoices
From Quality & Credible Clients
Repayment
When Customer Pays Invoice
Credit Score
600+
Factor Rate
8 % - 30 %
Time in Business
Greater than 1 Year
Speed
As Fast As Same Day
Annual Revenue
150K+
Invoice Financing
Invoice financing, often called accounts receivable financing, is a type of asset-based financing solution that allows business owners to free up unpaid invoices. Invoice financing companies advance you cash collateralized by your accounts receivable, giving you an excellent way to put money back into your business. With invoice financing, you can get a fast advance of about 85% of the value of your invoices, with most of the other 15% paid to you later.
- No Need to Wait for Invoice Payment from Customers
- Low Interest Rates
- Invoice is used as Collateral
Loan Amount
$5K to $5MM
History
Positive Payment History
Loan Term
3 to 18 Months
Credit Score
Over 500+
Factor Rate
1.10 - 1.36
Time in Business
Greater than 6 Months
Speed
As Fast As Same Day
Annual Revenue
120K+
Working Capital Bridge Loan
With this product, you are advanced cash in exchange for a percentage of your daily credit card and debit card sales, or your monthly revenue. Working Capital can be a quick and easy way to get a business cash advance with no need for collateral, even if you don’t have a good credit score.
- Minimal Paperwork, Easy Approval & Fast Funding
- Bad Credit Accepted
- Prepayment Discounts for Early Payoff
Max Loan Amount
$100K to $10MM
Account Receivables
From Quality & Credible Clients
Loan Term
Varies Based on When Customer Pays Account Receivable
Credit Score
Over 600+
Factor Rate
Under 18 %
Time in Business
Greater than 1 Year
Speed
As Fast As Same Day
Annual Revenue
200K+
Account Receivable Factoring
Accounts Receivable Financing, is a type of asset-based financing solution that allows business owners to free up unpaid receivables. Upwise advances you cash collateralized by your account receivables, giving you an excellent way to put money back into your business. With A/R financing, you can get a fast advance of about 85% of the value of your receivables.
- No Need to Wait for A/R Payment from Customers
- Based on Credit of the Receivable's Business
- Account Receivable is used as Collateral
Max Loan Amount
$150K to $200MM
Secured by Assets
Collateral
Valued Over $150K
Loan Term
1 to 30 Years
Credit Score
620+
Interest Rate
6 % - 12 %
Time in Business
Greater than 3 Years
Speed
As Fast As 2 Weeks
Annual Revenue
Over $200K
Real Estate Financing
An asset-based loan is secured by assets instead of emphasizing cash flow, which is typically real estate or whatever assets a business has on its balance sheet. Lender will use collateral which can be quickly and easily liquidated. Assets can also be accounts receivables, equipment, land, crop, purchase orders and inventory. Asset backed loans secured by collateral offered by Upwise are most often structured as term loans and revolving lines of credit.
- Interest Only & Monthly Payments
- Larger Loan Sizes
- Lower Interest Rates
Join over 2,500 Clients who love us.
Challenge is our passion
Our team of funding advisors work closely together with you to understand your business and it’s needs to find the right small business loan for you.
We make exceptions and know that every business is different. Upwise Capital will analyze your cash flow and understand your special circumstances.
We understand that financing a small business can be a challenge that requires more time than most small business owners have in a day. Let us find the WISE decision for you.
- Offer every product available for small businesses
- Competitive & Flexible Rates, Terms & Payment options
- We know our loans, your know your business, lets make the wise choice together
Now that you've found Upwise - it's time to do the money dance!!
Just Move Your Mouse

Very Pleased!
Upwise Capital is absolutely the best! Joe is amazing to work with and we were successful in obtaining PPP funding with little to no stress, which is important during these very difficult times. Will continue to use Upwise Capital for our funding needs.
Fast & Easy Process.
After attempts with Bank of America and another bank I had many decades of relationships with; I couldn’t get my PPP approved; mostly due to the huge volume of applicants. Upwise got me funded in 48 hours! Bravo.
Excellent Service!
Excellent Service, very professional and always available to answer questions and concerns. I will defenitely use their services again!
Upwise Comes Through!
Joe Lustberg sent me to 2 different SBA Lenders when my bank was not ready to accept PPP applications and the SBA had run out of funds. My company was very busy assisting our clients in their own PPP applications, and here we were unable to apply ourselves. I applied to both lenders and within 1 week we received an approval from 1 of the lenders. Today, we received our funding and I couldn't be more grateful to Joe and his team at Upwise.
Remarkably Transparent.
Could not have had a better experience. Very professional, very transparent of the whole process, and very responsive to assist during a stressful and confusing time.
Very Professional
I needed a new piece of equipment for my asphalt business and was recommended to Upwise by a friend. I showed them the equipment I wanted and who I was buying it from and they got it for me - within 2 weeks it was at my job site being used. Will def use again.