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Funding for your next step.

Business loans, lines of credit and merchant cash advances through our funding partners, for equipment, inventory, payroll or expansion.

Get a free quote Call 1-855-GET-UPWARD
What you get

Business loans and working capital, done right

Business loans

A set amount repaid over a set term, for larger purchases like equipment, a build-out or a second location.

Lines of credit

Draw what you need when you need it, for seasonal slowdowns, inventory or short cash gaps.

Merchant cash advance

An advance against future card sales, repaid as a share of those sales, so payments rise and fall with your volume.

Included

What's included

  • A short conversation about what the money is for
  • Options from funding partners side by side
  • Plain explanations of the cost and repayment
  • No obligation to accept any offer
Good fit for

Who it's for

RestaurantsRetailContractorsAuto shopsMedical and dentalSeasonal businesses

Upward Merchant is not a lender. Funding is provided by third-party lenders and funders. Approval, amounts, rates, fees and terms are set by the funder and depend on your business. Not all applicants qualify.

FAQ

Common questions

How is a merchant cash advance different from a loan?
A loan is repaid on a fixed schedule. A cash advance is repaid as a percentage of your card sales, so you pay more on busy days and less on slow ones. The total cost works differently, so compare both before choosing.
What do I need to apply?
Usually basic business details, recent bank or processing statements, and how much you're looking for. Each funder sets its own requirements.
Related

Often paired with

Credit card processing and merchant services

Accept credit and debit cards with clear pricing and easy-to-read statements.

Learn more

EMV and NFC credit card terminals

Countertop, wireless and all-in-one terminals for chip, tap and swipe.

Learn more

Digital and social media management

Google listing, social media and review help for local businesses.

Learn more

Ready to get your money right?

Tell us about your business. It only takes a few minutes.

Get a free rate review Call 1-855-GET-UPWARD
$500 rate guaranteeNext-day funding24/7/365 support

$500 guarantee: Requires a recent processing statement from your current provider. See guarantee terms.