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.
What They Offer:
- Merchant Cash Advances
- Business Loans
- Industry-specific financing
Standouts:
- No collateral required
- Offers up to $750,000 in funding
- Approval within 24–72 hours
Rapid Finance – Tech-Driven and Scalable
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 a line 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.
👉 Visit Capital Express LLC to Learn More & Apply Today
