Small business funding - Upwise Capital

Access 20+ Lending Programs
to help manage
Expenses Inventory Payroll Purchases Projects

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!

Secure E-Sign Application – Applying won’t impact your credit score

Flexible Business Funding

Apply

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

evaluate your business

Underwriting

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.

quick & easy process

Get Funds

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.

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Apply in 5 minutes. Grow with Small Business Funding.

Learn About Business Funding Products

Click the title below for each product to see more information.

  • Term Loan
  • Line of Credit
  • Equipment Financing
  • Invoice Financing
  • Short Term Loan
  • Working Capital
  • SBA Loan
  • Real Estate
  • Account Receivables

Max Loan Amount

$25K to $20MM

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.

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+

Business 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.

Max Loan Amount

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.

Max Loan Amount

Up to 100% of Invoice Amount

Invoices

From Credible Clients

Repayment

When Customer Pays Invoice

Credit Score

Over 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 is a type of asset-based financing that allows business owners to free up unpaid invoices. 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.

Loan Amount

$5K to $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.

Loan Amount

$5K to $5MM

History

Positive Payment History

Loan Term

3 to 18 Months

Credit Score

500+

Factor Rate

1.10 - 1.36

Time in Business

Greater than 3 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.

Loan Amount

$5K to $5MM

Loan Amount

$350K

SBA 7(a) Small & Express Loans

Loan Term

5 to 30 Years

Credit Score

650+