Secured Business Loans


A secured loan is a financial product which requires the use of collateral as a security for the amount borrowed. This can be any personal or business property, depending on the originator of the loan. Examples of secured loans are car loans, home mortgages and savings secured loans.

Some refer to it as “loans of last resort” because defaulting on such loans will lead to loss of a home, vehicle or other property. But secured loans are ideal if there is the intention to repay in terms of interest rates because secured loans are considered low risk, as opposed to unsecured or non-collateral loans.

Secured business loans typically have longer repayment terms because lenders are confident borrowers will not risk defaulting and losing their property, such as their home. Since loan values are usually only a fraction of the actual market value of the property, it would not make sense to default, and either way the lender wins.

However, the same irritants are associated with secured loans and other types of loans from traditional lenders: loads of document requirements, long waiting periods and inflexible repayment schedules. You pay late, you pay more. That is, if you succeed in getting approved which is in no way certain.

At Upstream, we help you with your financial needs without requiring collateral or tedious paperwork. Instead of putting your property at risk, we place our trust in your business acumen by investing in your future earnings. The Merchant Cash Advance facility does away with most of the irritants and gives a pretty decent interest rate, the lowest in the market for comparative products. The only requirement is that you have a merchant account and your volume of sales justifies the amount of the cash advance. If you need a expedient, secure way to make necessary business purchases, or meet short term capital needs, the Merchant Cash Advance is your best funding solution.

Secured business loans from Upstream offer small businesses the flexibility to use the loan for many loan purposes, including property financing, fixed asset procurement, or for general purposes like working capital. Upstream strives to provide the best financial support by identifying your business’ unique history, present financial position and future working capital needs. Upstream’s’ 95% approval rates, zero upfront fees and more than 20 years of experience providing quality, specialized financing advice is on your side. Take advantage of business expansion initiatives and engage in rewarding marketing opportunities with our secured business loans.

Business Cash Advance – Best Loan Alternative

Upstream can help you gain the working capital that your business needs to move forward and stay competitive in the market. Our business cash advance offers the following benefits

  • Flexible payment terms you won’t be stuck to a rigid schedule that can put your business in an even tougher spot each month.
  • No matter what your credit situation is, we have solutions for your business cash advance.
  • You can get the funding wired directly into your bank account in as little as 5 business days
  • There are no upfront costs to apply for a business cash advance, and no closing costs to worry about either.
  • There are no fees for an early pay off.
  • We have the most competitive rates in the industry!


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BENEFITS

Avoid the brokers and “middlemen” fees:

You won’t have to worry about extra expenses. You can put your resources towards the most important initiatives for your business.

Avoid having your credit run multiple times:

No matter what your credit score, we offer cash advances with just a single credit run.

Build a real relationship:

Work directly with a dedicated Funding Manager that will help you design a creative and customized plan based on your business needs.

Almost all business types and industries are accepted:

There is virtually no limit to the type of business we work with.

No collateral or personal guarantee required:

You can get the funding you need without the worry of placing your personal property or assets at risk.

Near instant approval:

With minimal documentation necessary, you receive your funding much faster than a bank loan so you can get back to building your business.

Qualifications for Business Loan

3+ months in business

you must be operating and generating revenue for at least 3 months

$10,000/ Month Gross Sales

you must have at least $10,00 per month in gross sakes to qualify for a loan

Business Checking Account

you must have and maintain a business checking account to qualify



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Who We Serve

Upstream provides small business loans to a wide variety of businesses. Some of the most common industries we serve include:

We fund many types of businesses beyond those listed above. Apply in minutes to see how much you qualify for.

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