Over 15 years of connecting businesses with the capital they need — built on transparency, long-term relationships, and an unwavering commitment to your growth.
"We built Upstart Advance around one belief — that businesses deserve a financing partner who is fully on their side. Not a bank. Not a middleman. A real partner."
— The Upstart Advance Team, New York
Upstart Advance was founded in New York with a single purpose: to give business owners real access to the capital they need — without the runaround, the rejection letters, and the fine print that traditional banks are known for.
As direct lenders based in the heart of New York's financial world, we've spent over 15 years building a reputation on something that's rare in our industry: complete transparency. Every rate, every fee, every term is explained clearly before you ever sign a document.
We work with businesses of all sizes — from early-stage growth companies to established enterprises — and we've earned the trust of three of the largest venture capital firms in New York as their go-to financing resource for portfolio companies that need fast, reliable capital.
These aren't talking points. They're the principles that have driven every decision we've made for 15 years.
We believe you should understand exactly what you're agreeing to. Every rate, fee, and term is presented clearly and honestly — no surprises at closing, no hidden charges buried in the fine print. This has been our standard since day one.
Our average client has been with us for over six years. That's not an accident. We take the time to understand your business deeply, and we structure every deal with your long-term success in mind — not just the fastest close for us.
We measure our success by yours. Whether you're looking to open a new location, acquire property, or stabilize cash flow, our advisors are genuinely invested in seeing your business reach its next milestone.
Fast financing shouldn't mean cutting corners on terms or transparency. We've built our process to move quickly and deliver capital when you need it — without compromising on the quality of the deal you receive.
As direct lenders, we don't just shop your deal to a marketplace — we are the decision-makers. This means faster approvals, more flexible terms, and direct communication throughout the entire process.
We've built our reputation on the demanding standards of the New York business world and carry that same rigor and professionalism to businesses across all 50 states.
When three of New York's most prominent venture capital firms need fast, reliable financing for their portfolio companies, they turn to Upstart Advance. That level of institutional trust is a reflection of the consistency, transparency, and results we deliver.
For portfolio companies moving fast — closing deals, bridging gaps, scaling operations — our direct lending model provides the speed and flexibility that institutional-grade businesses demand.
Headquartered in New York, we understand the pace and demands of the city's business environment — and we operate to match it.
We actively serve three of the largest VC firms in New York, providing financing solutions for their portfolio companies across industries.
Institutional relationships are built on track records, not promises. Fifteen-plus years of consistent performance speaks for itself.
We're not a call center. We're not a marketplace. Here's how our process works from the first conversation to funded.
You'll be paired with a dedicated funding specialist who learns your business, understands your goals, and stays with you through the entire process. No handoffs to different teams. No scripted call center responses.
Before any paperwork is signed, your advisor walks you through every rate, term, fee, and obligation. We want you to feel completely confident in your decision — not pressured or confused.
As direct lenders with deep market relationships, we can access products and terms that most borrowers can't find on their own. We leverage every resource to bring you the most competitive offer available.
Our average client has worked with us for over six years — because we stay in contact, check in on your business, and are ready when you need capital again. This is a long-term partnership, not a one-time transaction.
Whether you need capital now or are planning ahead — our team is ready to have a real conversation about the best path forward.