Business Line Of Credit
A line of credit is a flexible short-term financial tool that you can use for a variety of business needs, from working capital to purchasing inventory and more. You draw it down as needed and repay weekly. Learn MoreBenefits
- Only pay interest on funds drawn
- Credit is available when needed
- Nearly every industry accepted
- May require collateral
Medium-Term Loan
A medium-term loan is a simple interest business loan with a low rate and flexible terms ranging from one to five years, with no prepayment penalties. No collateral is required for a medium-term loan, but a personal guarantee is needed. Learn MoreBenefits
- Low rates and flexible terms
- No prepayment penalties
- No collateral required
- Personal guarantee required
Short Term Loan
Surprises happen – and that’s why the short term loan exists. It can help you stay afloat during a temporary cash shortage or manage the overhead that comes with taking on an unusually large project. You may need collateral and you’ll definitely need experience in your business’s field. Learn MoreBenefits
- Great for cash flow and working capital
- Flexible payment frequency
- Term 1-3 years
- May require collateral
SBA Loan
An SBA loan is a low-interest, government-backed loan, with the longest terms and lowest rates available. Repaid monthly, it is available to businesses that have been in business for at least two years. Collateral is required for loans of more than $25,000. Learn MoreBenefits
- Longest terms and lowest rates available
- Monthly repayment structure
- Minimum 2 years in business
- Collateral required above $25,000
Short-Term Financing
Short-term financing, also known as Merchant Cash Advance, can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for short-term financing, the required documentation is limited and perfect credit not needed. Nearly every industry can get short-term financing. Learn MoreBenefits
- No collateral required
- Limited documentation needed
- Perfect credit not required
- Nearly every industry accepted
Invoice Financing
Invoice financing is based on your outstanding invoices or receivables, and the underwriting process is based on your customer, not your business. Minimal documentation is required and there are no pre-payment penalties. Learn MoreBenefits
- Quick access to future receivables
- Customer based underwriting process
- Minimal documentation required
- No pre-payment penalties
Equipment Financing
You need to add equipment to your business but you don’t want to tie up your capital. Equipment finance is available with little or no down payment, in both lease and loan options. The approval process is fast approval, the payment schedule is affordable and there are potential tax advantages. Learn MoreBenefits
- Fast approval process
- Potential tax advantages
- Lease and loan options available
- Affordable payment schedule
Franchise Financing
Franchise financing is a short-term funding choice that can help you meet even the most substantial expenses of running a franchise business. The underwriting process is based largely on the strength of the franchisor. Learn MoreBenefits
- No collateral required
- Minimal documentation required
- Most industries accepted
- Up to $500,000 per location
Medical Financing
With terms of up to 10 years, medical financing can help your practice acquire new equipment, improve your facilities and take advantage of new business opportunities. Learn MoreBenefits
- No hard collateral required
- Terms up to 10 years
- Perfect credit not required
- Flexible use of funds
Startup Loan
Use a startup loan to launch your new business without giving up any equity or borrowing a chunk of cash from Uncle Lester. It’s also an excellent way to establish business credit. If your credit score is 680 or above, you’re a prime candidate for a startup loan. Learn MoreBenefits
- Helps establish business credit
- Revolving credit line
- Equity is not given up
- Loan of up to $750,000
Fast business loans
Whether you’re just starting out or a well-established business, a business credit card is the easiest way to cover unexpected costs, small or large. And you can choose one with a rewards program to bolster your cash Learn MoreBenefits
- Quick way to get funding – get money in as little as 1 business day
- Some quick approval loans are open to startups and borrowers with low credit scores
- Fulfills short term working capital needs
- Up to $500,000
Personal Loan for Business
A lot of people don’t know that you can actually use a personal loan for business purposes. Personal loans are especially helpful for new businesses that don’t have a long financial history to show lenders. Personal loans can often have lower interest rates than some business loans, making it a great option for young companies looking for financing to grow sp3 their business. Learn MoreBenefits
- Fast funding
- Less expensive than business loan
- Monthly repayment
- Up to $35,000 loan amount
See What Our Customers Have To Say About Us
Excellent Customer Experience !
The funding procedure was done professionally and we will come back again when we need funding.
Our experience was very good - and that is what it takes to get customer to come back !
Roger Neilson
Roger Neilson
I would give 10 stars if I could!
I am very happy with my experience with Upstream. My first phone call with David was pleasant and he got me pre-approved right there on the call. Then Mira herself and worked with me through the entire funding process. I'm very impressed with how friendly, professional and fast they are and I am looking forward to working with them again. I highly recommend Upstream
Vicky
Vicky
Awesome experience dealing with Upstream
Thank You for taking care of my financing needs, Cindy was absolutely awesome with follow up throughout the transaction and afterwards too.
Donald
Donald
Martin at Upstream did a great job! He was very helpful in getting our funding and was there for me every step of the way.
KP
KP
They were able to customize a plan to meet my unique needs - and tolerated all my questions... Ian was a pleasure to work with
Derek M
Derek M
Great and Simple Process for Small Business Loan !!
Thanks to Martin and Sonya for there help during the process.
Will definitely refer them to friends.
Thanks again !!
Deshartay
Deshartay
Devon did a great job helping our company secure the necessary working capital we were looking for. We process our payroll with Paychex, so their relationship with Upstream was invaluable.
Thanks Devon.. Great Job!!
Gillian T.
Gillian T.
We really like your services , The response time from your team
is very short and when ever we had a questions you always responded very soon
We really recommend and rate your company as the best
Thank you
Rashad and Rita
Rashad and Rita
These guys are great, attentive, and fast. Martin, who handle our business, was persistent and communicative. Whenever I sent an email he responded immediately and we got the loan we needed to expand our business.
F. Hill
F. Hill
It was a pleasure working with Cindy and the Upstream team. They are professional and work very hard to understand the financing needs of the business. Cindy goes above and beyond to move things along quickly and continuously communicates on the progress of the process. It was a pleasure to work with Upstream.
W.R.
W.R.