Use Working Capital Funds


When you need fast cash, your options are often limited. After all, traditional lenders aren’t usually known for their rapid payouts. You can hedge your bets by taking the traditional route and waiting months or weeks for loan approval…or you can get a working capital loan or merchant cash advance.  This type of financing enables you to borrow against future earnings and get the cash you need when you need it.

Working capital funding or a merchant cash advance is the preferred option for many businesses that need fast access to capital. Whether you’ve come across a growth opportunity that’s too good to pass up or you need capital to cover the equipment that finally bit the dust, a working capital loan has you covered. And you can often get funded in just 24 hours.

Once the funds are advanced to you, you’ll repay the loan by having a percentage of your daily credit card deposits withheld for the lender.

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What is a Working Capital Bridge Loan?

A working capital, bridge loan or merchant cash advance is not technically a 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.

Maximum loan amount

$5K - $5 Million

loan term

3 - 18 Months

Factor Rate

1.10 - 1.36


As Fast As Same Day



Who Qualifies for a Working Capital Bridge Loan?

Would your business be eligible for a merchant cash advance?

If you have little or no collateral, limited business history, or a low credit rating, merchant cash advances could be a solution to your financing problems.

Merchant cash advance providers tend to have easy eligibility standards, so most small businesses shouldn’t have a problem qualifying.


For businesses that make a big portion of their revenue through credit card payments—if you own a restaurant or a retail store, for example—then you can use a merchant cash advance as a short-term financing tool. It can help with working capital, inventory purchases, debt payments, unexpected payments, and more.


Most Customers who were approved for a Working Capital Loan had:

**Based on Previous Upwise Clients

Annual revenue

Over $120K

Credit Score

Over 500+

Time In business

Greater than 6 Months


Positive Payment History

What does a Working Capital Loan Cost?

Let’s look at how you can calculate the actual cost of a merchant cash advance.

A Cost Example of a Working Capital Product

Say you’re advanced $20K with a factor rate of 1.18.

$20K multiplied by 1.18 is $23,600, which is what you’ll need repay with your daily credit card transactions.

At first glance, that might seem like you’re just paying a 18% interest rate—but looks can be deceiving.

You have to determine the true cost of the merchant cash advance by its APR.

If your lender will be taking 15% of your future credit card sales and you’re estimating $25K a month in credit card transactions, you’d repay that advance in 189 days with daily payments of $125.

That’s an APR of 65.96%—quite a bit higher than it originally looked.

When is the Cost Worth It?

Merchant cash advances, while fast and convenient, tend to be worth their price only if you’re confident you can repay them quickly and without much harm done to your cash flow.

Just be sure to shop around and see if you can qualify for other types of loans before moving forward with a merchant cash advance.

How do you know whether a merchant cash advance will make sense?

On the one hand, paying off a loan with daily credit card sales can bite into your cash flow more than you might expect.

On the other, you’ll actually repay a smaller amount of money during slower weeks and months—unlike with a term loan, where you’ll either make your payments on time or suffer the late fees.

There are other reasons why some borrowers might want to opt for a merchant cash advance rather than a more traditional business loan.

For one, merchant cash advances come unsecured—meaning you don’t have to offer a valuable piece of collateral in exchange for the loan. This can be a benefit for business owners who don’t want to put something like their personal home or financial assets at risk.

And finally, merchant cash advances are quick. Need cash this week? A merchant cash advance can probably be approved by then.

These two advantages correlate with high costs, though. So when it comes down to it, it’s up to you to understand your business’s financials. Just remember that a merchant cash advance is the most expensive financing option you could pick.

Need Working Capital? Don’t wait and Apply now!

Upwise Capital offers a number of Working Capital Products to help your business grow.

Working Capital
$5K - $5MM

1.10 - 1.36
Factor Rate is determined by your business qualifications and monthly revenue

Merchant Cash Advance
$5K - $5MM

1.10 to 1.36
Factor Rate is determined by your business qualifications and monthly revenue

be Prepared

Documents Required for Working Capital

The best strategy to follow before you apply for these loans is to be prepared. The more readily available your documentation is, the faster you’ll move through the process.

The following is a checklist of the most commonly collected documents.

Bank Statements

We require at least 3 months of your business bank statements. If showing more gives us a better picture on how your business performs, feel free to send us a full year of statements. You may have more than one business bank account, so please make sure to include these statements for each account.

Personal & Business Tax Returns

For dollar amounts over $100K - most recent tax return may be requested as a closing document.

Other Documents

These can include entity and location documents such as business licenses, Articles of Incorporation, commercial leases, or franchise agreements.

Driver's License & Voided Check

To ensure all of your information is correct on the contracts, we require a clear copy of you DL & VC to verify this information.

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