Working Capital Loans


Working capital is the usable excess of your current assets such as purchasable invoices, or sale of future credit card processing receipts.

Working Capital is the life blood of all small businesses as it is essential to cover operating expenses on a daily basis. Getting fast business funding has become challenging over the past few years and now with increased interest rates and credit crunch, overcoming this problem has become more infuriating. At Upstream, our goal is to assist businesses with working capital financing. We know that strong cash flow and good payment behavior can validate the steady performance of your business.

Fast Liquid Capital for Your Business

Whether you need to increase your business operations quickly to take benefit of growing prospects or you need fast cash to achieve your targets banks are not always willing to approve working capital loans

The right lender can makes the difference. You don’t just need a loan; you need a perfect cash solution from a group of steadfast professionals who understand your industry and business needs and have the expertise to help you achieve them.

With our wide range of funding programs we’re able to customize a plan that gets you the funding you need, when you need it, and at affordable rates. We can free up your working capital by factoring outstanding invoices, by purchasing some of your future credit card receipts at a discount, or by creating a customized business loan or business line of credit solution. You also don’t need a perfect credit score or collateral to get your loan approved.

In addition to the simple approval process and minimal requirements, Upstream offer businesses with flexible repayment options. This means when your business sales decline, we take a smaller payment, leaving you with more working capital for your business.

Our Working Capital Financing offers your business the following benefits

  • Construction, renovation or leasehold improvements
  • To purchase furniture, fixtures, machinery, or equipment
  • For the flooring of inventory and for working capital (payroll)
  • As a down payment to finance the purchase of real estate for the business or other businesses to expand your entrepreneurial reach!

Working Capital Solutions for a Successful Business

When traditional lenders say no, Upstream says yes. Here’s how… Whether you are looking to renovate your restaurant, buy new equipment for your repair shop or to fill any other working capital gap in your business, Upstream will be the most reliable and fast solution for your working capital needs. We will get you the cash you need, quick. In the end, you’ll have the most sensible funding at the most affordable rate. With a strong pool of private (non-bank) funding sources, we bypass stringent requirements of the traditional bank loans and put you back in control of your business.

Funding Solution That Works For You

At Upstream, we have delivered millions of dollars to small businesses in working capital loans. We have assisted almost all industry types: some include manufacturing, transportation, architectural, publishing, retail and many more. We will work with you from start to finish in order to understand the unique challenges facing your business, shaping your working capital needs and forming a funding plan that can grow along with your business.




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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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