Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
Uplyft Capital, based in Sunny Isles Beach, Florida, offers merchant cash advances from $5,000 to $500,000 with 6- to 18-month terms. NerdWallet says there is no hard credit pull to apply and that Uplyft is a direct provider of MCAs (NerdWallet). NerdWallet cites ratings of 4.5+ stars on both BBB and Trustpilot (NerdWallet).
Paper Grade: D paper
NerdWallet lists a 500 minimum credit score, 3 months in business and $120,000 in annual revenue. It says factor rates start at 1.2, per a company representative (NerdWallet). Three months of history and 500 credit put this at D paper. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 8.5 / 10 (reputation rank: tied #2 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 for Trustpilot at 4.5+ stars per NerdWallet (NerdWallet), +1 for BBB accreditation (since August 4, 2022) with an A+ rating, +1 because BBB lists the business as started in August 2012 (BBB), and +1 because we found no regulator orders or court judgments against it. Then −0.5 for 4 BBB complaints describing repeated calls, unsolicited offers and information sharing (BBB complaints). BBB reviews average 4.58/5 from 19 reviews (BBB reviews).
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
| Item | Details |
|---|---|
| Product | MCA, $5,000–$500,000, 6–18 months (NerdWallet) |
| Minimums | 500 Credit, 3 months, $120,000 annual revenue (NerdWallet) |
| Cost | Factor rates from 1.2, per a company rep (NerdWallet) |
| BBB | A+, accredited since 8/4/2022; 4.58/5 from 19 reviews; 4 complaints (BBB) |
What borrowers and reviewers report
Positive themes: high BBB and Trustpilot ratings, per NerdWallet (NerdWallet, BBB reviews).
Negative themes: BBB complainants describe repeated calls, unsolicited offers and concerns that their information was shared (BBB complaints).
Pros (as reported)
- Funding in as little as 24 to 48 hours, low minimum credit score, and no personal guarantee required (NerdWallet).
Cons (as reported)
- Factor-rate pricing makes the true cost hard to understand, and cost information isn't on the website (NerdWallet).
Reported concerns to plan around
These are allegations or reported experiences, not findings, unless a final order is cited.
- Marketing contact: complainants report repeated calls (BBB complaints). You can report unwanted numbers to MCAFax below.
Who it may suit, and who may want to skip it
May suit: young businesses with low credit that need fast capital and understand MCA costs. May want to skip: businesses that qualify for term loans or lines of credit.
What to do next
Been contacted by Uplyft Capital? Report the phone number or email that reached you, and sign up to block unwanted funding calls. → Report a number or email (https://mcafax.com/report?lender=uplyft-capital)
Looking for funding? Tell us what you need, and we'll help you compare Uplyft Capital with other funders that fit. → Apply through MCAFax (https://mcafax.com/apply?lender=uplyft-capital)
Sources (accessed October 2, 2026)
NerdWallet Uplyft Capital review (updated June 10, 2026): https://www.nerdwallet.com/business/loans/reviews/uplyft-capital
Uplyft Capital homepage: uplyftcapital.com
BBB profile: https://www.bbb.org/us/fl/sunny-isles-beach/profile/financial-services/uplyft-capital-0633-90351187
BBB customer reviews: https://www.bbb.org/us/fl/sunny-isles-beach/profile/financial-services/uplyft-capital-0633-90351187/customer-reviews
BBB complaints: https://www.bbb.org/us/fl/sunny-isles-beach/profile/financial-services/uplyft-capital-0633-90351187/complaints
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.