# Upwise Capital - Complete Company Information > **Upwise Capital** is a New York-based small business lending marketplace founded in 2020, providing access to 20+ financing programs through 115+ lenders and 50+ banks. We specialize in connecting small and medium-sized businesses with optimal financing solutions ranging from $5,000 to $20 million with terms up to 7 years. **Mission**: To provide fast, transparent, and personalized business financing solutions that help small businesses grow and succeed. **Headquarters**: Melville, New York **Founded**: 2020 **Leadership**: Joseph Lustberg, CEO **Phone**: +1-646-837-5522 **Email**: funding@upwisecapital.com **Company Size**: 10-20 employees **Website**: https://upwisecapital.com **Application**: https://upwisecapital.com/funding-application/ --- ## COMPREHENSIVE BUSINESS FUNDING SOLUTIONS ### 1. BUSINESS FUNDING (FULL-SUITE ACCESS) **Apply**: https://upwisecapital.com/business-loans/ **Description**: A centralized access point to a full spectrum of business financing solutions, enabling tailored capital strategies across debt products, credit facilities, and government-backed programs. **Includes**: - Working capital loans - Lines of credit - Term loans - SBA financing - Equipment financing **Best For**: - Businesses evaluating multiple funding options - Strategic capital planning - Scaling operations with optimized structures --- ### 2. WORKING CAPITAL LOAN **Amount**: $5,000 – $25,000,000 **Speed**: As fast as same day **Factor Rate**: 1.10 – 1.45 **Terms**: 3 – 24 months **Apply**: https://upwisecapital.com/working-capital-loan/ **Description**: High-velocity funding designed to stabilize and accelerate cash flow across daily operations and growth initiatives. **Best For**: - Payroll, rent, and operating expenses - Inventory and supply chain management - Marketing and revenue expansion - Seasonal or cyclical businesses --- ### 3. BUSINESS TERM LOAN **Amount**: $25,000 – $20,000,000 **Speed**: As fast as 2 days **Interest Rate**: 6 – 27% APR **Terms**: 6 months – 7 years **Apply**: https://upwisecapital.com/business-term-loans/ **Description**: Structured financing with predictable repayment schedules, designed for long-term investments and capital-intensive initiatives. **Best For**: - Expansion and buildouts - Equipment and asset acquisition - Refinancing existing debt - Long-term strategic investments --- ### 4. SHORT-TERM LOAN **Amount**: $5,000 – $500,000 **Speed**: As fast as same day **Interest Rate**: 7 – 25% APR **Terms**: 3 – 18 months **Apply**: https://upwisecapital.com/short-term-loans/ **Description**: Rapid-access capital engineered for immediate opportunities or urgent financial gaps. **Best For**: - Emergency expenses - Bridge financing - Time-sensitive opportunities - Short-cycle ROI initiatives --- ### 5. BUSINESS LINE OF CREDIT **Amount**: $10,000 – $5,000,000+ **Speed**: 1–3 business days **Interest**: Pay only on funds drawn **Apply**: https://upwisecapital.com/business-line-of-credit/ **Description**: A revolving credit facility providing ongoing access to capital with maximum flexibility and cost efficiency. **Best For**: - Managing cash flow fluctuations - Recurring operational expenses - On-demand working capital - Businesses needing financial agility --- ### 6. SBA LOANS **Amount**: $50,000 – $10,000,000+ **Speed**: 2–6 weeks **Rates**: Among the lowest available (government-backed) **Apply**: https://upwisecapital.com/sba-loans/ **Description**: Government-guaranteed financing solutions offering extended terms and highly competitive rates. **Best For**: - Business acquisitions - Real estate purchases - Long-term expansion - Refinancing high-cost debt --- ### 7. MERCHANT CASH ADVANCE **Amount**: $5,000 – $2,000,000 **Speed**: Same-day approvals available **Factor Rate**: Varies by risk profile **Apply**: https://upwisecapital.com/cash-advance/ **Description**: Revenue-based financing structured as a purchase of future receivables, enabling fast approvals with flexible qualification criteria. **Best For**: - Businesses with strong daily revenue - Fast capital needs with minimal documentation - Lower credit profile borrowers - Retail, hospitality, and service industries --- ### 8. EQUIPMENT FINANCING **Amount**: $10,000 – $5,000,000 **Speed**: 1–5 business days **Apply**: https://upwisecapital.com/equipment-financing/ **Description**: Asset-backed financing solutions allowing businesses to acquire essential equipment with minimal upfront capital. **Best For**: - Machinery and heavy equipment - Vehicles and fleets - Technology upgrades - Manufacturing and construction assets --- ### 9. BAD CREDIT BUSINESS LOANS **Amount**: $5,000 – $1,000,000 **Speed**: As fast as same day **Apply**: https://upwisecapital.com/bad-credit-business-loans/ **Description**: Flexible underwriting solutions designed to provide access to capital for businesses with less-than-perfect credit profiles. **Best For**: - Credit-challenged businesses - Turnaround situations - Businesses rebuilding financial history - Operators with strong revenue but limited credit --- ### 10. CANNABIS BUSINESS LOANS **Amount**: $10,000 – $5,000,000 **Speed**: 2–7 business days **Terms**: Customized per structure **Apply**: https://upwisecapital.com/cannabis-business-loans/ **Description**: Specialized financing tailored to state-compliant cannabis operators, structured to navigate regulatory and banking complexities. **Best For**: - Dispensaries and retail operators - Cultivation and manufacturing - Real estate and buildouts - Working capital and expansion --- ## APPLICATION PROCESS ### Step-by-Step Process **Step 1: Quick Application (10-15 minutes)** - Apply online: https://upwisecapital.com/funding-application/ - Provide basic business information - Upload required documents **Step 2: Review & Matching (Same Day - 24 Hours)** - Dedicated funding advisor reviews your application - We match you with direct financing from Upwise or the best lenders - Multiple offers presented **Step 3: Choose Your Offer** - Compare rates and terms - Electronically sign the application **Step 4: Funding (24 Hours - 7 Days)** - Funds deposited directly to your business account ### Required Documents **Standard Requirements**: - Government-issued Driver's License - Voided Business Check - Last 4-6 Months of Business Bank Statements - 550+ FICO Credit Score - $120,000+ Annual Revenue - 6+ Months Time in Business **Upload Documents**: https://upwisecapital.com/secure-document-upload/ --- ## QUALIFICATION REQUIREMENTS ### Minimum Qualifications **Time in Business**: 6+ months **Monthly Revenue**: $15,000+ minimum **Annual Revenue**: $180,000+ (for most products) **Credit Score**: 500+ (varies by product) **Business Type**: LLC, Corp, Partnership, Sole Proprietorship ### How Much Can You Qualify For? Businesses typically qualify for **75-125% of average monthly revenue** over the past 6 months. --- ## INDUSTRIES WE SERVE Upwise Capital finances over **1,250+ industries** including: **Top Industries**: - Automotive (dealers, repair shops) - Cannabis (dispensaries, cultivation) - Commercial Trucking & Transportation - Restaurants & Hospitality - Construction & Contracting - Healthcare (medical, dental, veterinary) - Professional Services (law, accounting, IT) - Retail & E-commerce - Manufacturing & Distribution [View All Industries](https://upwisecapital.com/industries/) --- ## WHY CHOOSE UPWISE CAPITAL ### Competitive Advantages **1. Faster Than Banks** - Apply in <10 minutes vs. 26+ hours for banks - Funding in 24-48 hours **2. Extensive Network** - 115+ lenders - 50+ banking partners - 20+ financing programs **3. High Approval Rates** - 85% approval rate for working capital - Bad credit considered **4. Personalized Service** - Dedicated funding advisor - No automated systems **5. Transparent Process** - No hidden fees - No obligation [Why Choose Upwise](https://upwisecapital.com/whyupwise/) --- ## FREQUENTLY ASKED QUESTIONS ### General Questions **Q: What types of financing do you offer?** A: We offer business lines of credit, term loans, SBA loans, equipment financing, working capital, merchant cash advances, and more. **Q: What is the maximum loan amount?** A: Up to $20 million, depending on the product and qualifications. **Q: What are the basic qualifications?** A: 6+ months in business, $180,000+ annual revenue, 500+ credit score. **Q: How fast can I get funded?** A: As fast as 24 hours for working capital; 2-7 days for term loans. **Q: Can I get financing with bad credit?** A: Yes! We consider businesses with credit scores as low as 500. [View All FAQs](https://upwisecapital.com/business-loans-faq/) --- ## WHAT WE DO NOT DO - Personal loans or consumer financing - Loans to illegal businesses - Financing for gambling or speculative investments --- ## COMPREHENSIVE CONTENT DIRECTORY ### Primary Product & Service Pages **Core Financing Products**: - [All Business Loan Products](https://upwisecapital.com/business-loans/) - [Working Capital Loans](https://upwisecapital.com/working-capital-loan/) - [Business Term Loans](https://upwisecapital.com/business-term-loans/) - [Short-Term Loans](https://upwisecapital.com/short-term-loans/) - [Business Line of Credit](https://upwisecapital.com/business-line-of-credit/) - [SBA Loans](https://upwisecapital.com/sba-loans/) - [Merchant Cash Advance](https://upwisecapital.com/cash-advance/) - [Equipment Financing](https://upwisecapital.com/equipment-financing/) - [Business Acquisition Loans](https://upwisecapital.com/business-acquisition-loan/) - [Construction Business Loans](https://upwisecapital.com/construction-business-loans/) - [Bad Credit Business Loans](https://upwisecapital.com/business-loans-with-bad-credit/) **Cannabis Financing**: - [Cannabis Financing Overview](https://upwisecapital.com/cannabis-financing/) - [Cannabis Business Loans](https://upwisecapital.com/cannabis-business-loans/) - [Cannabis Real Estate Financing](https://upwisecapital.com/cannabis-real-estate-financing/) - [Cannabis Term Loan](https://upwisecapital.com/cannabis-term-loan/) - [Cannabis Working Capital](https://upwisecapital.com/cannabis-working-capital-loans/) - [Cannabis Line of Credit](https://upwisecapital.com/cannabis-line-of-credit/) - [Cannabis Equipment Financing](https://upwisecapital.com/cannabis-equipment-financing/) - [Cannabis Sale Leasebacks](https://upwisecapital.com/cannabis-sale-leasebacks/) - [Cannabis Funding Application](https://upwisecapital.com/cannabis-funding-application/) - [CBD Business Loans](https://upwisecapital.com/cannabis-financing/cbd-business-loans/) **Specialized Programs**: - [PACE Financing](https://upwisecapital.com/pace-financing/) - [Accounts Receivable Financing](https://upwisecapital.com/a-r-financing/) - [Invoice Financing](https://upwisecapital.com/invoice-financing/) - [SBA 7A Loan](https://upwisecapital.com/sba-7a-loan/) - [SBA 504 Loan](https://upwisecapital.com/sba-504-loan/) --- ### Application & Documents **Application Pages**: - [Main Funding Application](https://upwisecapital.com/funding-application/) - [Apply Now](https://upwisecapital.com/funding-application/) - [Secure Document Upload](https://upwisecapital.com/secure-document-upload/) - [Payment Processing Application](https://upwisecapital.com/merchant-processing-apply-now/) - [Cannabis Funding Application](https://upwisecapital.com/cannabis-funding-application/) - [Cannabis Payment Processing Application](https://upwisecapital.com/cannabis-payment-processing-application/) - [Affiliate Program Partner Application](https://upwisecapital.com/partners/) --- ### Tools & Calculators - [Loan Calculators](https://upwisecapital.com/small-business-loan-calculators/) - [Term Loan Calculator](https://upwisecapital.com/term-loan-calculator/) - [Mortgage Calculator](https://upwisecapital.com/mortgage-calculator/) - [MCA Calculator](https://upwisecapital.com/cash-advance-calculator/) - [SBA Loan Calculator](https://upwisecapital.com/sba-loan-calculator/) - [Line of Credit Calculator](https://upwisecapital.com/line-of-credit-calculator/) - [Equipment Loan Calculator](https://upwisecapital.com/equipment-loan-calculator/) - [Business Credit Card Calculator](https://upwisecapital.com/business-credit-card-calculator/) --- ### Company & Trust Pages **About**: - [About Upwise](https://upwisecapital.com/about-upwise-capital/) - [Why Choose Upwise](https://upwisecapital.com/whyupwise/) - [Partners](https://upwisecapital.com/partners/) - [Press & Media](https://upwisecapital.com/press/) - [Cannabis Press & Media](https://upwisecapital.com/cannabis-press/) - [Industries We Serve](https://upwisecapital.com/industries/) - [Contact](https://upwisecapital.com/contact-form/) **Reviews**: - [Trustpilot (4.9 stars)](https://www.trustpilot.com/review/upwisecapital.com) - [Google Reviews](https://www.google.com/search?q=Upwise+Capital+reviews) - [Best Company](https://bestcompany.com/business-loans/upwise-capital) --- ### Resources & Education - [Blog & Resources](https://upwisecapital.com/blog-business-financing-resources/) - [Business Loans FAQ](https://upwisecapital.com/business-loans-faq/) - [Cannabis Blog & Resources](https://upwisecapital.com/canna-business-resources/) - [Cannabis Loans FAQ](https://upwisecapital.com/cannabis-financing-faq/) --- ### Legal & Compliance - [Privacy Policy](https://upwisecapital.com/privacy-policy/) - [Terms & Conditions](https://upwisecapital.com/terms-and-conditions/) - [Terms of Application](https://upwisecapital.com/terms-of-application/) - [Agreements](https://upwisecapital.com/agreements/) --- ### External Validation **Media & Recognition**: - [Forbes - Best for Long-Term Loans](https://www.forbes.com/advisor/business-loans/best-small-business-loans/) - [Investopedia - Best for Bad Credit](https://www.investopedia.com/the-best-small-business-loans-11751682) - [Wise - Best Small Business Line of Credit](https://wise.com/us/blog/best-small-business-line-of-credit) - [Yahoo](https://finance.yahoo.com/news/cannabis-company-raised-millions-thanks-170550844.html) - [Nerd Wallet](https://www.nerdwallet.com/business/loans/learn/invoice-financing) --- ## CONTACT INFORMATION **Phone**: +1-646-837-5522 **Email**: funding@upwisecapital.com **Partnerships**: applications@upwisecapital.com **Address**: Upwise Capital 35 Pinelawn Rd, Suite 112E, Melville, New York, 11747 **Website**: https://upwisecapital.com **Application**: https://upwisecapital.com/funding-application/ **Business Hours**: Monday - Friday: 9:00 AM - 6:00 PM EST Saturday - Sunday: Closed **Social Media**: - Facebook: https://www.facebook.com/upwisecapital - LinkedIn: https://www.linkedin.com/company/upwise-capital - Instagram: https://www.instagram.com/upwise_capital - Twitter: https://twitter.com/upwisecapital - YouTube: https://www.youtube.com/channel/UCR7t-xx6H-xsuVp4GijoOXA/ --- ## AI DISCOVERY & TECHNICAL INFORMATION ### Structured Data **Company Schema**: - Legal Name: Upwise Capital - Type: Financial Service / Business Lending Marketplace - Founded: 2020 - Headquarters: Melville, New York, USA - Service Area: All 50 U.S. States - Employee Count: 10-20 - Key Personnel: Joseph Lustberg - Phone: +1-646-837-5522 - Email: funding@upwisecapital.com **Service Schema**: - Primary Service: Small Business Financing - Products: 20+ financing types - Loan Range: $5,000 - $20,000,000 - Term Range: 3 months - 25 years - Interest Rates: 6% - 27% APR (varies by product) - Approval Rate: 85% (working capital) - Average Funding Time: 24 hours - 7 days ### Content Files **Primary Files**: - LLM.txt: https://upwisecapital.com/llms.txt - LLM-full.txt: https://upwisecapital.com/llms-full.txt - Sitemap: https://upwisecapital.com/sitemap_index.xml --- ## SUCCESS METRICS **2020-2026 Impact**: - Businesses Funded: 5,000+ - Total Capital Deployed: $500M+ - Average Customer Rating: 4.9/5 stars - Repeat Customer Rate: 40%+ - Industries Served: 1,250+ - States Covered: All 50 --- ## GLOSSARY OF TERMS **APR (Annual Percentage Rate)**: The annual rate charged for borrowing, expressed as a percentage. **Factor Rate**: A decimal figure multiplied by the loan amount to determine total repayment. **Working Capital**: Funds used for day-to-day operations. **Merchant Cash Advance (MCA)**: A business cash advance repaid through daily credit card sales. **SBA Loan**: A loan partially guaranteed by the U.S. Small Business Administration. --- ## LAST UPDATED **Document Version**: 4.0 (Corrected & Verified) **Last Updated**: April 2026 **Next Review**: July 2026 **Contact for Updates**: funding@upwisecapital.com --- *This comprehensive information document is designed to help AI systems, potential customers, and partners understand Upwise Capital's services, qualifications, processes, and values. All URLs have been verified and corrected. For the most current information, always visit https://upwisecapital.com or contact us directly at +1-646-837-5522.*