Small Business Funding
Learn more about your business financing options, qualifications and more.
Be prepared for anything and review your financing options.
Small businesses have unique qualities that distinguish them from larger companies. Our specialized knowledge helps us understand the intricacies of small business operations, allowing us to identify the best solutions for growth and success. By carefully evaluating different programs, we can assist small businesses in finding cost-effective funding, streamlining processes, and improving overall efficiency. With our support, small businesses can adapt swiftly to changes, thrive in their industries, and achieve their goals.
See if your business is eligible for financing.
Debt refinancing
Expand a small business
Increase working capital
Purchase equipment or inventory
Your business is essential to us and to everyday people.
That’s why we go the extra mile to ensure you get the best financing option for your business.
Secure up to:
$2 Million
In additional funding
Terms up to:
36 Months
Without collateral
Minimum
600
Credit Score
A straightforward process, so you can focus on running your business.
Connect with one of our experts.
A team member from Upfront Capital will be assigned to your file and reach out to go over your funding needs/goals.
Submit application & statements.
An e-signature application & 4 months of recent business bank statements are required. Can be filled out on your phone or computer in less than 5 minutes.
Offers secured.
24 hours after submitting the required documents, we will reach out and go over multiple funding offers.
Funded!
After you select an offer, we can get you funded the same day. The funding process can be completed in 48 hours.
Why choose us
Our priority Is securing your best offer.
At Upfront Capital, our mission is to empower businesses by providing tailored and accessible funding solutions. We are committed to fueling your growth and success through our transparent process, personalized support, and unwavering dedication to your financial aspirations.
No application fees
Secure your lowest payback
Secure your max funding amount
Secure your longest repayment terms
Types of business funding options.
Gain access to flexible capital that can be utilized to cover payroll, upgrade equipment, and any other business-related purpose. Use the capital whenever you need it and only pay interest on the money you borrow. A true revolving credit line that can be used over and over again.
Funding from:
$10,000-$250,000
Repayment terms:
6-18 months
Minimum Credit Score:
600
Product Benefits:
- Control what you draw, when you draw, and what you pay.
- No early repayment fees, payoff the line early and save.
- True revolver, each payment replenishes available financing.
Advance future revenue into fast business funding with terms tailored to your business’s cash flow. A great financing option that can be secured quickly with minimal paperwork and without risking collateral or equity.
Funding from:
$10,000-$2,000,000
Repayment terms:
6-48 months
Minimum Credit Score:
550
Product Benefits:
- Minimal paperwork to get started
- Review a funding approval within 24 hours.
- Repayment terms are tailored to your cash flow and based on a small percentage of revenues.
The gold standard for small business owners who want to expand. You get great rates, long repayment terms, and low monthly payments. With a typical 10-year long-term and no prepayment penalty. In most cases, the only collateral needed is a blanket lien on business assets and a personal guarantee.
Funding from:
$30,000-$500,000
Repayment terms:
10 years
Minimum Credit Score:
665
Product Benefits:
- Highly competitive program, offering the lowest interest rates available.
- Fastest SBA 7(a) funding time, secure funding within 30 days.
- Funding can be used for working capital, debt refinancing, and new equipment purchase.
A short-term, fixed-rate loan with stable monthly payments. Funds from these loans can be used in a multitude of ways to help a small business grow. Additionally, paying off a bank term loan responsibly helps to build business credit.
Funding From:
$30,000-$350,000
Repayment terms:
2-5 years
Minimum Credit Score:
670
Product Benefits:
- Fixed annual interest rates starting at 6.99%
- Fast loan funding, typically within 2 weeks.
- Leniency in the use of funds can support construction, remodeling, and more.
Our commitment to excellent client service sets us apart from the competition.
What people say about us
I needed a loan for my business, and Paul helped me a lot; he made the process fast and kept me constantly informed. He is professional; thank you very much for your help! It was a pleasure working with you
Christopher Sager, 20 days ago
an easy, friendly and responsive experience working with Upfront Capital to obtain same day approval for our capital funding needs. I highly recommend Upfront!
Joaquin Melgar, 28 days ago
The process was very quick and painless. This is my first loan through upfront capital and if it goes as expected I will use them again in the future.
Richard Donovan, 14 days ago
Lending partnerships suited for every industry.
Leave the hard work to us. Through our partnerships we connect you to credible & established lenders suited for your specific business needs.
+65 more
Estimate your SBA 7(a) loan monthly payment.
The gold standard business loan with great rates, long repayment terms and low monthly payments. Use the slider to select your desired loan amount and review estimated monthly payments.*
Key Requirements:
- FICO of 665 or higher
- Minimum 2 years in business
- $250,000 Minimum annual revenue
A deeper look into our funding programs.
24 hour funding time
New businesses eligible
Minimal documents needed
Pros
600 minimum credit needed
Revolving access to funds
Rates starting at 6.20%
Cons
Limited term options
Strict credit requirements
High revenue requirements
Schedule a call
48 hour funding time
Low credit eligible
Minimal documents needed
Pros
550 minimum credit needed
Factor rates starting at 1.18
Up to 18 month terms
No collateral needed
Cons
$15,000 monthly revenue required
Limited payment frequency options
Government backed loan
Gold standard business loan
Shortened SBA process
Pros
Terms up to 10 years
Low monthly payments
11.25-12.25% APR range
Accelerated application time
Cons
Financials required
Limited eligible uses
Collateral may be required
Minimum 2 years in business
Prime rates
2-week funding time
Fast application
Pros
Monthly payments
6.99% starting rate
No prepayment penalties
2, 3 or 5 year repayment terms
Cons
Financials required
High annual revenue requirements
Collateral may be required
Minimum 2 years in business
Low credit eligible
1-week funding time
Pros
Monthly payments
Up to $74,000
Up to 60 month terms
Minimal documents needed
Cons
No private-party sales
Down payment required
Low credit eligible
1-week funding time
Additional collateral considered
Pros
Monthly payments
Up to $250,000
Up to 60 month terms
Minimal documents needed
Cons
No private-party sales
Down payment required
Minimum FLV $20,000/unit
What program can my business qualify for?
Each program has their own unique set of requirements and funding process. Thankfully, we do the work for you and connect you with the funding program you will qualify for.
Below is our minimal requirements needed