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Upwise Capital

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32 User Reviews


Overall Score

LAST UPDATED: November 15th, 2021

Upwise Capital offers over 20 small business lending products and serves over a thousand industries. The company charges nothing to apply, and you can review your options once you’ve connected with Upwise.

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The Good

  • No Upfront Costs
  • Quick Application Process
  • Product Availability
  • Works with Startups
  • Contact Options
  • Loan Information

No Upfront Costs

It costs $0 to apply with Upwise Capital. Many other lenders have application fees that cost you before you’re even approved, so this is a low-risk and hassle-free way of applying for a loan.

Quick Application Process

Traditional lenders require a long application before approval; Upwise Capital notes that applying for a business loan from a bank takes an average of 26 hours. But with online lenders the experience is much quicker. Upwise Capital boasts a 10-minute application, which lowers the risk associated with applying and being rejected.

Product Availability

Upwise Capital has over 20 options for customers. Many are perfect for small businesses. Here are the product offerings:

  • SBA loans
  • Business term loans
  • Lines of credit
  • Equipment financing
  • Working capital
  • Invoice financing
  • Real estate loans
  • Startup capital
  • Account receivables financing
  • Short term business loans
  • Merchant cash advance

Works with Startups

Many lenders consider startups too risky to finance, but Upwise Capital offers startup capital. Startups can expect high interest rates and will likely need to personally guarantee the loan, but many lenders won’t offer this option.

Contact Options

You can reach Upwise Capital through phone, email, or website form. Many online lenders can be difficult to reach, so having a few channels of communication will help you get a hold of a contact.

Loan Information

Upwise Capital breaks down the pros and cons of several popular loan types and describes the average interest rates, terms, and amounts for each. Many lenders won’t give you this helpful information, so take advantage of the education Upwise Capital provides.


The Bad

  • Time in Business

Time in Business

Upwise Capital was founded in 2019, so it may not have the longstanding track record that older lenders do. However, you may prefer a newer lender because they address the challenges small businesses seeking capital face in a contemporary environment. Upwise Capital seems to be set up for success, but time will tell, and you may prefer to work with an older business.


The Bottom Line

Upwise Capital has created a strong option for small businesses seeking financing. With a high lending cap and several financing choices, it’s likely that you’d find something for your needs through Upwise. You may prefer another company if you’re looking for a lender that’s been in business a long time, but otherwise, it might be worth giving Upwise Capital a shot.

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