Upstart Advance delivers tailored business financing solutions — from SBA loans to lines of credit, bridge loans, and cash-out refinancing. Quick decisions, transparent terms, real results.
We match your business with the optimal financing product — transparent terms, expert guidance, and capital that moves at the speed your business demands.
Government-backed financing with the lowest available rates and longest repayment terms. Ideal for established businesses that want affordable long-term capital for growth, real estate, or equipment. We guide you through the entire SBA process — from application to approval — so you can secure funds without the guesswork.
A revolving credit facility you draw on demand — then repay and reuse. Perfect for managing seasonal cash flow gaps, covering day-to-day operating costs, bridging receivables, or seizing unexpected opportunities. Pay interest only on what you actually draw.
Short-term financing that bridges the gap between immediate capital needs and longer-term solutions. When a deal is closing fast or an opportunity can't wait, we move quickly. Flexible underwriting means credit-challenged borrowers can still qualify based on asset value or revenue.
Unlock the equity sitting in your commercial or investment property to access working capital — while potentially lowering your existing interest rate and improving your debt structure. Use the proceeds for any legitimate business purpose: expansion, equipment, debt payoff, or operations.
From growing your team to stocking inventory — our clients use Upstart Advance financing across every part of their business.
We've eliminated the red tape. Our streamlined process gets you from inquiry to capital in days, not months.
Complete our simple online form in under 5 minutes. No hard credit pull required to get started — just basic business details.
Our funding specialists review your profile within hours and match you to the best available programs and lenders.
Receive pre-approval as fast as same-day. We handle all the underwriting and lender communication so you don't have to.
Capital is wired directly to your business account — often within 1 to 5 business days of approval.
Upstart Advance was founded on one belief: every business owner deserves access to the capital they need to grow — without the delays, confusion, and red tape of traditional banking.
We're not a bank, not a marketplace, and not a one-size-fits-all lender. Upstart Advance is a specialized business financing consultancy — one that works exclusively for you, not for lenders.
Traditional banks reject businesses that don't fit a narrow box. We evaluate your full financial picture and find lenders that see what you're building.
You'll work with the same dedicated funding specialist throughout the entire process — no call centers, no runarounds, no surprises.
Our network of 50+ lenders means we can shop your deal and come back with real, competitive options — letting you choose the best terms for your situation.
We walk you through every rate, term, and fee before you sign anything. Our goal is a long-term relationship, not a one-time transaction.
We're invested in your long-term success — not just in closing a deal. Here's what sets us apart.
Many clients receive same-day pre-approval and are funded within days. We move at the speed your business demands — not the speed of traditional banks.
No cookie-cutter packages. We structure financing specifically around your industry, revenue profile, goals, and timeline.
A real human expert guides you every step of the way — from product selection and document preparation all the way to funding.
One application, multiple competing offers. We leverage deep lender relationships to find you the most favorable rates and terms available.
No bait-and-switch. No hidden origination fees buried in the fine print. We explain every term clearly before you commit to anything.
We measure our success by yours. Our advisors look for the best long-term outcome for your business — not just the fastest close for us.
I needed a bridge loan to close on a commercial property fast and Upstart Advance delivered. Funded within 24 hours of approval. The whole team was upfront about every fee and term from day one — no surprises, no runaround. Already referred two people.
The bridge financing process was faster than I ever thought possible. Upstart was transparent every step of the way — I knew exactly what I was getting into before I signed anything. That kind of honesty is rare in this industry.
I was skeptical at first but Upstart Advance proved me wrong. Bridge loan approved and funded incredibly fast, and my advisor walked me through every single detail — rate, terms, fees, all of it. Total transparency start to finish. Will definitely work with them again.
Everything you need to know before applying.
No — our initial application and pre-qualification process uses a soft credit inquiry only, which does not affect your credit score. A hard pull only occurs if you formally accept an offer and proceed to final underwriting with a lender.
It depends on the product. Lines of credit and bridge loans can often be funded within 1–5 business days of approval. SBA loans and cash-out refinances typically take longer due to government processing — usually 2–6 weeks — but we work to accelerate every step.
To get started we typically need 3–4 months of business bank statements and basic business information. Depending on the product and loan size, we may also request recent tax returns, a personal financial statement, and business financials. Our advisors will walk you through exactly what's needed for your specific program.
Requirements vary by product. SBA loans typically require a 640+ credit score, while bridge loans and some lines of credit can accommodate lower scores depending on the strength of your revenue or collateral. We focus on your overall business profile — not just your credit score — and work to find lenders who see your full picture.
Most of our financing products allow for broad use of proceeds — working capital, inventory, payroll, equipment, expansion, marketing, debt refinancing, real estate, and more. SBA loans have specific eligibility guidelines for use of funds, which our advisors will explain in detail during your consultation.
No. There are no upfront fees to apply or receive a consultation. Fees, if any, are disclosed clearly as part of your offer terms before you sign anything. We believe in complete transparency — you'll always know exactly what you're agreeing to.
Fill out the form and a dedicated funding specialist will contact you within the hour to walk you through the best options available for your business — no obligation, no pressure.