Company name
Uplyft Capital
Website
https://www.capitalbank-us.com
Phone
1-800-308-3971
info@capitalbank-us.com
Address
333 Fayetteville Street, Suite 700, Raleigh, NC 27601
— Review updated Aug 2025
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, with APR starting from 10%.
They're particularly valuable for businesses needing fast capital (from $5,000 to $5,000,000) without perfect credit histories or lengthy operating histories.
Uplyft Capital
https://www.capitalbank-us.com
1-800-308-3971
info@capitalbank-us.com
333 Fayetteville Street, Suite 700, Raleigh, NC 27601
Fast Funding, Often in 24–48 Hours: Approvals and funding can arrive within 1–2 days (and sometimes even same-day), so you can act on time-sensitive needs.
Lenient Eligibility for Newer/Lower-Credit Businesses: Minimum credit scores as low as 475 and just six months in business mean more startups can qualify.
Soft-Credit Prequalification: You can check offers without a hard pull up front, reducing application friction and credit-score impact while you compare options.
No Personal Guarantee Required: Uplyft’s MCA can avoid a personal guarantee, lowering personal risk versus many small-business lenders.
Positive Reputation Signals: BBB A+ accreditation and 500+ Trustpilot reviews with 91% 5-star feedback indicate strong customer satisfaction.
Higher, Opaque Costs vs. Loans: MCAs use factor rates and often don’t show APRs clearly, making true costs harder to compare and frequently higher than term loans.
Frequent, Short-Term Repayments Can Squeeze Cash Flow: Daily/weekly debits and short durations can strain thin-margin or seasonal businesses.
Revenue Threshold May Exclude Smaller Firms: Some sources cite a minimum annual revenue around $144,000 to qualify, which can be a hurdle for microbusinesses.
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