In today’s fast-paced world, small businesses need quick and reliable access to capital. Whether it’s to manage cash flow, purchase inventory, or invest in growth opportunities, fast business funding can make all the difference. While Uplyft Capital is a well-known name in the industry, it’s not the only option — and certainly not the best fit for every business.
If you’ve been researching Uplyft Capital, this guide will introduce you to five powerful alternatives that offer Merchant Cash Advances (MCAs) and more. And yes — #1 might surprise you.
Capital Express LLC – Fast Funding Tailored to Your Business Needs
Capital Express LLC is one of the most trusted MCA lenders for small businesses across the U.S. What sets them apart is their personalized approach. While many fintech lenders rely heavily on algorithms, Capital Express blends automation with real human insight, ensuring your funding experience is smooth, fast, and tailored to your unique situation.
What They Offer:
Merchant Cash Advances
Working Capital Loans
Same-day approvals
Flexible payback options
Low credit score approval (as low as 500)
Why Capital Express is a Top Alternative:
Fast decisions, funding in 24 hours or less
Transparent terms with no hidden fees
Works with newer businesses and lower monthly revenue
Hands-on customer support (no getting lost in a system)
If Uplyft Capital feels too corporate or inflexible, Capital Express gives your business the personal attention it deserves — without compromising speed.
Credibly – Streamlined Small Business Funding
Credibly is a Michigan-based lender that provides working capital loans and MCAs. With a fast online application process and a reputation for flexible terms, it’s a solid option for businesses that meet minimum monthly revenue requirements.
What They Offer:
Working Capital Loans
Merchant Cash Advances
Revenue-based financing
Highlights:
Prequalification in minutes
No hard credit check to start
Requires ~$15K/month in revenue
National Funding – Great for High-Revenue Businesses
Based in San Diego, National Funding offers a wide variety of lending products, from MCAs to equipment financing. Their MCA program works well for established businesses with strong monthly revenue and some time in operation.
What They Offer:
Equipment financing
Merchant Cash Advances
Small business loans
Pros:
Funding in as little as 24 hours
Flexible repayment terms
Discounts for early repayment
Cons:
Requires at least 6–12 months in business
May not be ideal for startups or low-credit borrowers
Fora Financial – Flexible MCA Solutions
Fora Financial is known for its flexibility and high approval rates. They specialize in helping businesses in industries like retail, healthcare, and construction. Fora often approves clients that traditional banks and fintechs might decline.
Rapid Finance is one of the larger tech-driven funders in the alternative lending space. Their online platform makes it easy to apply and receive funding quickly — especially if you’re looking for aline of credit or a large MCA.
What They Offer:
Merchant Cash Advances
Small Business Loans
Business Lines of Credit
Why Consider Them:
Quick online application
Ideal for larger businesses with strong cash flow
Funding typically within 1–2 business days
Quick Comparison: Uplyft Capital Alternatives at a Glance
Lender
Type of Funding
Approval Time
Best For
Credit Score
Capital Express LLC
MCA, Working Capital
Same-day
Startups, low credit, custom support
500+
Credibly
MCA, Working Capital
1–2 days
Mid-sized businesses
550+
National Funding
MCA, Equipment Loans
1–3 days
High-revenue firms
600+
Fora Financial
MCA, Business Loans
1–3 days
Retail, healthcare, etc.
500+
Rapid Finance
MCA, LOC
1–2 days
High-revenue, growth-focused
550+
Why Businesses Are Moving Away from Uplyft Capital?
While Uplyft Capital offers decent funding speed and serves a broad range of businesses, many owners are seeking more transparency, flexibility, and personalized service. Common feedback from borrowers includes:
Higher-than-expected factor rates
Less human support during underwriting
Automated decision-making with limited room for explanation
That’s why companies like Capital Express LLC are quickly becoming preferred alternatives. They offer similar speed, but with better communication, more flexible terms, and a genuine desire to see small businesses grow.
Final Thoughts
The right funding partner can make or break your next business move. While Uplyft Capital may be popular, it’s far from your only option — and possibly not the best one for your unique needs.
Before signing any funding deal, compare rates, terms, and customer service. If you’re looking for a fast, fair, and human-first approach to business funding, it’s time to talk to Capital Express LLC.
