Uplyft Capital Review: Variety of Fast Funding Up to $5M
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- Min. Amount
- $5,000
- Max. Amount
- $5,000,000
- APR
- Varies by lender and loan type
Our verdict
Fast approval and funding on a variety of business loans, but rates can be high.
Uplyft Capital is a direct lender of merchant cash advances (MCAs) — aka business cash advances — and also provides a variety of business loans through its partner lenders. Other loan types include business lines of credit, equipment financing, term loans and SBA loans, with amounts up to $5,000,000. Approval and funding are typically fast, and it only requires six months in business to qualify. But it doesn’t reveal its fees for MCAs, rates can be high for some options and certain loans may require daily or weekly repayments.
Best for: Newer and established businesses with strong revenues that need fast funding and a variety of loan options.
Pros
-
Multiple loan options
-
Fast approval and funding
-
Accepts poor credit
Cons
-
Only directly finances MCAs
-
Rates can be high for some loan options
-
May require daily or weekly repayments
Is Uplyft Capital legit?
Yes, Uplyft Capital is a legitimate business cash advance company, founded in 2012, that also offers a variety of other business loans through its network of partner lenders. To date, it has funded more than 57,000 businesses with over $1.4 billion in financing.
Uplyft works to secure your information through physical, electronic and operational policies and procedures, including using bank-level encryption to secure your personal data both online and off. You can view its privacy policy on its website to learn how it collects and uses your information.
What makes Uplyft Capital shine?
Uplyft Capital stands out by having lenient requirements to qualify for business financing, making it a good option for startup businesses as well as more established companies. Business owners only need a 475 credit score and $8,000 in monthly revenue. It also accepts businesses as new as six months old. Even many alternative business lenders have higher credit and revenue requirements.
Where Uplyft Capital falls short
One drawback of Uplyft Capital is that it isn’t transparent about rates for its MCAs. It advertises no compound interest and no hidden fees, but it doesn’t reveal any costs or even give a range of what you can expect to pay. By contrast, it states a range of rates for many of the loans offered through its marketplace.
Plus, some loan options can be expensive. For example, MCAs tend to be one of the priciest forms of business financing — the primary drawback of fast funding to borrowers with poor credit. Even equipment loan rates are listed as up to 40%, which is high for a loan that’s typically secured by the equipment you’re purchasing.
Uplyft Capital loan details
| Minimum credit score/credit range | 475+ |
| APR | Varies by lender and loan type |
| Loan amount | $5,000 to $5,000,000 |
| Terms | Varies by lender and loan type |
| Approval turnaround | 24 to 48 hours for approval and funding |
| Availability | All products may not be available in all states |
| Fees | Varies by lender and loan type |
Uplyft Capital contact info
| Phone number | 800-515-7531 |
| Customer service hours | Not listed |
| support@uplyftcapital.com | |
| X, formerly Twitter | @uplyftcapital |
| Uplyft Capital |
How to qualify for Uplyft Capital
These are the requirements to qualify for Uplyft Capital.
- At least 6 months in business
- $8,000 a month average revenue
- 475+ credit score
- Business bank account
- US-based business
How to apply
Uplyft Capital doesn’t give many details about the application process, but this is what it says you’ll need to do to get started:
- Fill out the online application.
- Wait for preapproval and updates by email.
You can also call the company directly to review your options. Many customers comment on its knowledgeable and professional loan specialists.
Uplyft doesn’t require a hard credit check to prequalify, but some loan options may conduct a hard inquiry prior to making a final loan decision.
How Uplyft Capital compares to other lenders
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How we picked theseWhat is the Finder Score?
The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.
Uplyft Capital reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.4 out of 5 stars, based on 20 customer reviews |
| BBB customer complaints | 1 customer complaints |
| Trustpilot Score | 4.8 out of 5 stars, based on 567 customer reviews |
| Customer reviews verified as of | 19 November 2025 |
Uplyft Capital has high ratings on both the Better Business Bureau (BBB) and Trustpilot. Satisfied clients praise the fast and easy application process and quick funding. Customers also comment on the professional and patient loan specialists who worked with them to find the best loan for their business.
But some reviewers say the rates are high, there were hidden fees they weren’t aware of and the repayment terms are difficult. Others expressed frustration over being denied for a loan even after getting preapproved.
What do people on Reddit say?
Frequently asked questions
How can I qualify for more working capital in the future?
You may be able to qualify for renewed funding after repaying approximately 50% to 60% of your existing advance, according to Uplyft. But you’ll need to have established a positive payment history with the company.
How do I pay back my advance with Uplyft?
Uplyft has a few payment options, depending on the MCA program you qualify for. It offers a split percentage on credit card receivables, or you can make daily or weekly ACH payments.
Your reviews
Lacey Finder
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