The Upstream Difference
Upstream is your one stop shop for finding the ideal business funding solution. We are an online marketplace, and we also have relationships with all the other major business lenders in the United States and Canada. Our goal is to find you the perfect funding solution for your business, either through us or an affiliate, so your business can flourish.
Here is how we make this happen:
- Lowest Cost: We believe in long term relationships, that’s why our options are typically 25%-50% cheaper than most our competitors. Highest Approval Ratio: Our technology is designed to approve more accounts every day. No Hidden Fees.
- Trusted: AAA rating with BCA and A+ Rating with the BBB. Recognized by Inc 5000 from 2012 – 2015 as one of America’s fastest growing private companies.
- Fast: Approvals are typically issued on same day and accounts are typically funded within 2 business days.
- Simple: Our entire funding process, or funding experience as we call it, is simple. Everything from the 1 page application to the minimal paperwork.
- Hassle Free Repayment: The repayment is automated via an automated daily payment. You never have to worry about receiving a statement.
- Experience: We are one of the original companies that helped create the alternative funding space. What this means to you the business owner is that we know what we’re doing and you are in great hands.
- Client Support: This is what defines us. Pick up the phone and call us and you will see the Upstream difference. We are there for you before, during and most importantly after the funding process.

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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.