Upwise Capital

What Upwise Capital does

Upwise Capital (Upwise Capital LLC) is a New York-based online small business lending marketplace founded in 2020 that brokers financing applications across a network of 100+ lenders, including SBA-approved banks, Certified Development Companies, and alternative funders. The platform surfaces a broad product portfolio — working capital loans, business term loans, lines of credit, equipment financing, SBA 7(a)/504/Express/Microloans, real estate financing, invoice and A/R financing, merchant cash advances, and bad credit business loans — and is positioned for SMBs that cannot or do not want to access traditional bank credit. Verticalized offering pages target cannabis, healthcare, transportation/trucking, construction, restaurants, retail, manufacturing, automotive repair, and licensed professionals (CPAs, lawyers, architects).

The underlying technology is a digital application and decisioning stack: a marketed 15-minute online intake feeding into a "Quick Decision Engine" that returns decisions within hours and same-day approval on some products, with funding in 1–2 days. The company markets the platform as "AI-driven" for application triage, eligibility matching, and personalized term generation, although public evidence of proprietary models, patents, or ML research is absent. Supporting engagement tools include a suite of interactive loan calculators and a content library of financing guides.

Commercial mechanics are broker/marketplace economics: Upwise does not lend on its own balance sheet but earns transaction fees from lenders on funded originations plus origination, underwriting, and packaging fees. Distribution is digital-first (organic search, blog content, social channels) plus an inside-sales team of funding advisors and a formal Referral Partner Program. The claimed footprint is 10,000+ businesses served, an 85% approval rate, and a 4.9 Google rating across 125 reviews; BBB Business Review accreditation is maintained. No revenue, funding, headcount, or ownership data is publicly disclosed.

Name

Upwise Capital

Legal name

Upwise Capital LLC

Website

https://upwisecapital.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

Upwise Capital is a New York-based online small business lending marketplace founded in 2020 that brokers loan applications across 100+ lenders, offering working capital, term loans, SBA loans, equipment financing, and industry-specific products to SMBs in sectors including cannabis, healthcare, trucking, construction, and restaurants.

Ownership category

akta.pro rank

Product category

Small Business Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Capital Raising Advisory (Debt/Equity/Private Capital) (BPAHADAG)

Keywords

• Small business lending
• Lending marketplace
• SBA loan brokerage
• Alternative lending platform
• Business financing solutions

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Broker/Marketplace Fees: Upwise Capital operates as a lending marketplace/broker, earning fees by connecting small businesses with a network of 100+ lenders. They help businesses compare multiple loan offers and earn compensation from funders for successful placements.
2. Origination and Processing Fees: The company earns fees from loan originations, including potential origination fees, underwriting fees, and packaging fees on various loan products they facilitate through their network.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Upwise Capital operates as a small business lending marketplace that connects SMB borrowers with a network of 100+ lenders. Through a single 15-minute online application, businesses are matched to financing options spanning working capital loans, term loans, lines of credit, SBA loans, equipment financing, cash advances, real estate financing, invoice financing, and specialty industry programs, with decisions typically delivered within 24 hours. The company earns broker and origination fees on successful placements routed through its lender network.

Product overview

Upwise Capital operates as a small business lending marketplace offering a comprehensive portfolio of financing products designed to serve diverse business needs. The platform connects small businesses with a network of 100+ lenders to access various funding options. The core product suite includes Working Capital Loans, Business Term Loans, Business Lines of Credit, Equipment Financing, and SBA Loans (7(a), 504, Express, and Microloan programs). Specialty financing offerings target specific industries including Cannabis Business Loans and Healthcare Financing. Additional products include Business Cash Advances/Merchant Cash Advances, Short Term Loans, Real Estate Financing, Invoice Financing, Account Receivable Financing, Bad Credit Business Loans, and PPE Financing. The platform provides loan calculators as supporting tools and operates a Referral Partner Program for business development.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 10,000+ businesses served
• +3 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• CAN Capital: CAN Capital is a longstanding SMB working capital and MCA provider (now operating as a broker/funder hybrid), serving restaurants, retail, and services. Comparable to Upwise on the working capital / MCA core product line and SMB customer base.
• Lendio: Lendio is the largest US small business loan marketplace, connecting SMB borrowers with a network of 75+ lenders across SBA, term loans, lines of credit, MCAs, and equipment financing. It is the closest direct functional peer to Upwise Capital across model (broker/marketplace), product breadth (working capital to SBA), target customer (US SMBs), and inside-sales funnel.
• Fundera: Fundera (now part of NerdWallet) operated as an SMB loan marketplace aggregating bank and alternative lenders, with a digital application and advisor-supported funnel. Comparable to Upwise on business model, SMB focus, and product mix (term loans, SBA, lines of credit, MCA).
• Biz2Credit: Biz2Credit is an SMB financing marketplace and direct lender offering term loans, lines of credit, SBA loans, and MCA products to US small businesses. Directly comparable to Upwise on product suite, target customer, and broker-plus-balance-sheet hybrid model.
• SmartBiz: SmartBiz is an SBA-focused loan marketplace that matches SMB borrowers with a network of bank partners for SBA 7(a) and SBA Express loans. Highly comparable to Upwise on the SBA product family, lender-network distribution model, and inside-sales advisor approach.
• National Funding: National Funding is an alternative SMB lender and broker offering working capital, equipment financing, MCA, and term loans to US small businesses. Comparable to Upwise on product mix (especially MCA and equipment financing), speed of decisioning, and SMB target market.

Broad incumbents

• BlueVine: BlueVine is an established fintech offering SMB lines of credit, invoice factoring, and term loans through its own balance sheet. Comparable as an SMB working-capital provider overlapping with Upwise's line of credit and invoice/A/R financing products, though BlueVine funds directly rather than brokering.
• OnDeck (Enova): OnDeck, part of Enova International, is a major online SMB lender offering term loans and lines of credit. Comparable to Upwise on SMB target segment and short-term working-capital products, though OnDeck is a direct balance-sheet lender rather than a broker.
• Funding Circle: Funding Circle is an established SMB term-loan platform operating both as direct lender and marketplace in the US. Comparable to Upwise on term loan product, SMB focus, and digital application funnel, with greater scale and brand recognition.

Emerging players

• Kalamata Capital (Cannabis) / Greenstone Capital: Cannabis-specialty SMB lenders/brokers operating in the same underserved vertical Upwise targets with its Cannabis Business Loans product. Comparable on vertical focus, federally-restricted borrower pool, and equipment/real-estate/working-capital product set for the cannabis industry.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/upwisecapital
• YouTubeyoutube.com/channel/UCR7t-xx6H-xsuVp4GijoOXA
• Facebookfacebook.com/upwisecapital
• LinkedInlinkedin.com/company/upwise-capital
• Instagraminstagram.com/upwise_capital

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Upwise Capital