No hoops. No hassle. Just business funding that moves with you. Reach out in minutes and let us do the legwork—so you can focus on what matters most.
No stacks of paperwork, no runaround. Here's exactly what happens after you reach out.
Tell us about your business in a few minutes. We'll then ask for your last 3 months of bank statements.
We review your file and send it to funders in our network whose criteria actually fit your business.
We walk you through every offer in plain terms — cost, payback amount, and payment schedule, side by side.
Choose the offer that works, sign, and your funds are sent directly to your business account.
Our network covers most industries. Don't see yours below? Ask us — funder appetite varies more than you'd think.
Brick-and-mortar and online stores managing inventory cycles and seasonal demand.
Restaurants, cafes, and hotels covering equipment, staffing, and slow-season gaps.
Fleet and job-site businesses needing fast funding between contracts or receivables.
Practices financing equipment, expansion, or staffing without disrupting patient care.
Contractors and service businesses covering materials, crews, and equipment upfront.
Firms managing payroll and growth between client billing cycles.
UpThink Capital made the funding process seamless. Their dedicated specialist ensured everything was handled smoothly, and the support was outstanding.
Grateful for UpThink Capital's personalized support. They made the funding journey smooth and stress-free.
Working with UpThink Capital was effortless. Their personalized approach and top-notch support set them apart.
Because we work with many funding partners, we're not tied to a single lender's product — we shop your file across our network to find the best fit.
We only work with funders who honor their terms and treat business owners fairly — the same standard we hold ourselves to with you.
Every offer comes with a clear breakdown of cost and payback — no buried fees, no fine print surprises.
A dedicated specialist manages your file end to end, so you're never re-explaining your business to someone new.
Reviewing your file and getting offers costs nothing, and you're never required to accept one.
Send us a few details and a specialist will follow up within one business day. No obligation, no cost to reach out.
A funding specialist will reach out within one business day. Thanks for contacting UpThink Capital.
A factor rate (e.g. 1.35) is multiplied by the amount you receive to determine total payback — not compounded like an interest rate. A $50,000 advance at a 1.35 factor rate means $67,500 total repaid. We'll always show you the total payback amount up front.
Timing depends on your funder match and how quickly your documentation comes together. Once we have your complete file, we move it through our network right away and walk you through every offer as it comes in.
Funders may review credit as part of their underwriting. A soft check, which doesn't affect your score, may be run during initial review. A hard credit pull only happens with your explicit consent.
Our funder network covers most industries, including retail, restaurants, trucking, construction, healthcare, and professional services. Some high-risk industries may have limited options.
No. Reviewing your file and presenting offers is free and comes with no obligation to move forward.