Small Business Loans California

Yes, even if you have a bad credit history, there are funding options available to you.  At this time, short term loans, working capital, equipment financing and invoice financing are great options for those with less than average FICO scores.

You can apply for business funding through Upwise Capital, we make the application process very simple for you.  Simply visit our online application here or call us directly to apply over the phone at (646)837-5522.  

The amount of paperwork required for your application will depend on the product you are interested in or what your business will qualify for.

Step 1:  Choose the right product for your industry and needs. 

• The first step is choosing the best financing or loan option that most aligns with your business needs.  Consider what you’re using the funds for.  Are you covering a short-term or long-term cost?  Are you financing equipment or factoring receivables?  We can assist you with choosing the best product for your needs, just give us a quick call at 646-837-5522.

Step 2:  Gather & Submit Your Documents

Secondly, here is a list of documents required for most auto repair loan types:

• Driver’s license
• Voided business check
• Bank statements from the past three months
• Invoice for equipment (for Equipment Financing)
• Credit card processing statements from the past three months (for Merchant Cash Advance)
• Accounts Receivable Aging Report (for Accounts Receivable Factoring)
• Accounts Receivable (for Accounts Receivable Factoring)
• Debt Schedule (for Accounts Receivable Factoring)

Step 3:  Fill Out an Application

• Third, you can begin the application by filling out our online application or calling us directly.

Step 4:  Speak to an Upwise representative

• Fourth step, once you’ve submit your application, an Upwise representative will reach out to learn more about your business and explain your available options.  Here we will go inform you of the repayment structures, rates, terms, conditions, etc.  This way, you won’t have to worry about any hidden fees during the closing or repayment process.

Step 5:  Receive your Approval

• Last but not least, if and when you’re approved for funding, you will be presented with an offer and approval.  If you agree to the terms and conditions, you will receive a funding contract.  

Your complete payment history is available to view and download within the “payment activity” or “account history” section of your online account portal.

Yes, we can underwrite and potentially provide financing to multiple businesses that you own, provided each meets our standard qualification criteria.  You may also choose to cross collateralize multiple businesses into one offer.