Working Capital 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.
$5K to $250K
Unsecured Line of Credit
$100K to $10MM
Secured Line of Credit
6 Months to 2 Years
Secured Line of Credit: 620+
7 % - 25 %
Time in Business
Greater than 1 Year
As Fast As Same Day
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.
Join over 2,500 Clients who love us.
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, 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.
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.
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.
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.
Now that you've found Upwise - it's time to do the money dance!!
Just Move Your Mouse