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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 financing solutions

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evaluate your business

Underwriting

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.

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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.

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

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.

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.

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.

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.

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.

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.

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. 

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.

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.

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.
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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
5/5
5.0 Score on BestCompany
5/5
Apply Now to see what products your business qualifies for!
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