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Uplyft Capital Review 2026. What You Need to Know Before Applying
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Reviewed by Ricardo LaizoUplyft 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.
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.
How Uplyft Capital compares - Financer Score™
Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.
Pricing
60
Uplyft Capital's merchant cash advances come with factor rates that translate to higher costs than traditional loans (APR from 10% to 93.08%). While transparent about fees, their financing options can be somewhat pricey for small businesses.
Customer Support
80
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
80
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.
Popularity
73
The popularity score indicates the percentage of customers choosing this company the last 90 days.
Customer Experience
Praised for speed and hand-holding (many mention friendly reps, smooth process; funding often within 24–48h). Main concerns: high costs typical of MCAs, limited cost detail on the website, isolated complaints about marketing calls/lead sharing.
Loan Uplyft Capital in Uplyft Capital – Details
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
Company information – Information
Company nameUplyft Capital
Websitehttps://www.capitalbank-us.com
Phone1-800-308-3971
Emailinfo@capitalbank-us.com
Address333 Fayetteville Street, Suite 700, Raleigh, NC 27601
