Up Capital

Name

Up Capital

Legal name

Upcapital Finance Ltd.

Website

https://upcapital.io

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Supply Chain Finance

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO)

Keywords

• Reverse factoring platform
• Supply chain financing
• Invoice advancement
• Working capital solutions
• Digital factoring services

Headquarters

HQ city

Tel Aviv

HQ country

Israel

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction/Advance Fee: Up Capital charges a fair operational fee (approximately 1% as shown in example: 1,000 ILS on 100,000 ILS invoice) for facilitating the advance payment. The fee is paid by the supplier in exchange for immediate access to funds. Financing is provided by partner banks, credit card companies, and insurance firms, with Up Capital acting as the platform orchestrator.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Up Capital operates a digital reverse factoring (supply chain financing) platform that enables suppliers to convert approved invoices into immediate cash with a single click, paying approximately 1% in operational fees. Financing is provided by partner banks, credit card companies, and insurance firms, while paying customers maintain their original payment terms. The platform integrates with corporate ERP systems and operates 24/7.

Product overview

Up Capital offers a single unified product — a digital reverse factoring (supply chain financing) platform that enables immediate payment of approved invoices at the click of a button. The platform connects three parties: suppliers (who receive instant payment), paying customers (who maintain their original payment terms), and financial institutions (who provide the financing). The product is delivered entirely through the company's web and mobile application, with separate portals for suppliers (vendors.upcapital.io) and paying customers (app.upcapital.io). There are no named add-on modules or sub-products — the platform is a single, integrated reverse factoring solution.

Differentiator

Problem solved

Functional benefit

Products and services

• Up Capital Reverse Factoring Platform

Quantifiable outcome

• Fund transfer within 3 business days (48 hours per English site)
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Opal BalancecoreStrategic or Co-development PartnerWon the Eshkol local authorities consortium tender together with Opal Balance, providing payment advancement services to 42 municipalities across Israel. This partnership represents the first-of-its-kind solution in Israel for government-supplier payment advancement.

Scale indicators3 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Orbian: Orbian is a supply chain finance platform providing working-capital solutions for buyers and suppliers globally. Comparable to Up Capital as a B2B reverse-factoring orchestrator.
• Stenn: Stenn provides invoice- and trade-financing solutions globally, with an asset-light origination model similar to Up Capital's orchestrator approach.
• C2FO: C2FO runs a working-capital marketplace where suppliers can request early payment from approved corporate buyers at dynamic rates. Directly comparable to Up Capital's three-sided supplier / buyer / capital-provider model.
• PrimeRevenue: PrimeRevenue operates one of the largest global supply chain finance platforms, connecting buyers and suppliers through early payment programs. Closely comparable in business model and customer segments to Up Capital.
• Opal Balance: Opal Balance is an Israeli balance-sheet lender partnering with Up Capital to win the Eshkol 42-municipality consortium tender. Directly comparable as a factor/funding partner serving the same Israeli public-sector supply chain.
• Taulia (a SAP company): Taulia is a leading reverse-factoring / supply chain finance platform embedded within SAP ecosystems. Directly comparable to Up Capital in providing working-capital solutions where paying corporations onboard their suppliers for early invoice payment.

Emerging players

• BlueVine: BlueVine provides SMB working-capital products including invoice factoring. Overlaps with Up Capital on factoring mechanics, primarily serving smaller businesses rather than enterprise reverse factoring.
• Fundbox: Fundbox provides SMB working-capital and invoice-financing products in Israel and the US. Overlaps with Up Capital on invoice-advancement mechanics, though more SMB-focused and less enterprise reverse factoring.
• Resolve (now part of BillingPlatform): Resolve offered B2B net-terms financing and invoice-advance products. Partially comparable to Up Capital on supplier-facing early-payment mechanics.

Broad incumbents

• Bill.com: Bill.com is a broad SMB payments and AP/AR automation platform that increasingly embeds financing alongside invoice workflows. Comparable as an end-to-end invoice lifecycle platform, though financing is a smaller part of its offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/up-capital-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Up Capital