Uplyft Capital

Written by human
Written by Joe Chappius

- Jul 18, 2025

Our take on Uplyft Capital in 30 seconds

Uplyft Capital offers accessible funding for small businesses that might struggle with traditional financing. Their strength lies in quick approvals and personalized service, though costs run higher than conventional loans. They're particularly valuable for businesses needing fast capital without perfect credit histories or lengthy operating histories.

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Pros & Cons

  • Repayment terms up to 12 months

  • Has funded $300m to over 4,500 business

  • Funds automatically deposited into your business account

  • Slightly higher rates compared to the competition

Uplyft Capital At glance

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Written by

Joe Chappius

Company name

Uplyft Capital

Website

https://www.capitalbank-us.com

Phone

1-800-308-3971

Email

info@capitalbank-us.com

Address

333 Fayetteville Street, Suite 700, Raleigh, NC 27601

Pricing

Uplyft Capital's merchant cash advances come with factor rates that translate to higher costs than traditional loans. While transparent about fees, their financing options can be somewhat pricey for small businesses.

Customer Support

Uplyft Capital provides responsive customer service with personalized attention. Representatives are knowledgeable and helpful, though response times can occasionally vary depending on inquiry complexity.

Terms and Flexibility

Their terms are clearly outlined with flexible repayment options tied to business revenue. No long-term commitments and minimal paperwork make them accessible, though some clauses may impact cash flow.

Customer Experience

The funding process is streamlined with a user-friendly application and quick approval. Businesses appreciate the simplified experience and the absence of traditional banking barriers.

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Details

Loan Uplyft Capital

Terms & fees

Loan amount$5,000 - $5,000,000
Term2 months - 1 year
Annual interest rate10% - 93.08%
Nominal interest rate1.24% - 1.4%
Origination fee$0
Monthly fees$0
Interest rate typeFixed rate

Requirements

Minimum credit score300-579
Minimum years in business0.5
Minimum annual revenue$144,000
Company types availableAll business types accepted
National bank requiredYes
National phone number requiredYes
Headquarters in country requiredYes
Electronic identificationYes
Require tax returnsYes
Require bank statementYes
Require financial statementYes
Require business planNo
Collateral requiredNo
Personal collateral requiredNo

Features

Revocation periodNo
Weekend payoutNo
Loan extensionsYes
Early paybackYes
Loan brokerYes
P2P LenderNo
Possible for start-upsYes
Line of creditNo

Additional fields

Recommended companyYes

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