Access 20+ Lending Programs

With our simple one-page application, we’ve helped thousands of small business owners like you get funding to grow their businesses. 

You deserve options.  Connect to business financing today!

to help manage 

**Electronic DocuSign Application

Flexible financing solutions


evaluate your business


quick & easy process

Get Funds

Step 1: Complete the Application

Apply online in just a few minutes or call us directly to apply over the phone, its your choice and we like to hear from you. Call us today at (646) 837-5522

Step 2: Review Your Options

Our system evaluates your business and typically provides a decision within hours. Approvals for certain products may take up to 24-48 hours.

Step 3: Get Your Funds

Sign your contract, submit closing documents and you'll receive the funds into your account via wire transfer or ACH. Available as soon as same day.

We are proud and dedicated to serving small businesses.

Excellent Rating
5 Star Reviews on Google
5.0 Score on BestCompany

Apply in 5 minutes. Get Funded in as little as 24 hours.

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


Secured Line of Credit: 620+

Interest Rate

7 % - 25 %

Time in Business

Greater than 1 Year


As Fast As Same Day

Annual Revenue


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.

google my business reviews - upwise capital
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.
Jack — Business Owner
trustpilot 5 star rating upwise capital
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.
Chris — Owner.
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Excellent Service!
Excellent Service, very professional and always available to answer questions and concerns. I will defenitely use their services again!
Claudio — Business Owner
trustpilot 5 star rating upwise capital
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.
Jody — CPA.
google my business reviews - upwise capital
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.
George — Co-Founder.
best company logo navy
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.
Jose — Business Owner
5 Star Reviews on Google
5.0 Score on BestCompany
Apply Now to see what products your business qualifies for!
$ 100
Cost to Apply
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Industries We Finance
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Products We Offer
$ 0 M
Max Loan Amount

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!!

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Our Awesome Clients