UpLyft Capital

UpLyft Capital is a national nonbank lender that has been helping small businesses access working capital since 2012. Its core product is the merchant cash advance, with financing available from $30,000 to $150,000 — and no minimum credit score requirement for that product. The platform also lists a broader range of options including lines of credit, term loans, equipment financing, and SBA loans, so it may function as a referral point for some products beyond its MCA core. UpLyft uses AI-driven underwriting and claims to approve over 90% of applicants, with decisions typically available within 24 hours. A minimum of one year in business is required. With 641 customer reviews averaging 4 stars, it carries a solid reputation among the businesses it serves, with reviewers frequently citing staff professionalism and responsiveness. A good fit if you need fast working capital and don't meet traditional bank criteria.