Get a business loan from $50K - $10M

CircleUp has partnered with Upwork to make it easy to add cash to your bank account so you can focus on hiring, generating demand, and growing your business.* Check your eligibility¹ in 2 minutes or less with 6 easy questions and no financial uploads required.

Checking eligibility will not affect your credit score¹

Why CircleUp?

Since 2017, we've lent over $600M in debt capital to help brands finance their inventory, sales, and growth.

Helio insights for consumer packaged goods

Make better business decisions  with data on retailers, distribution, consumer behavior and more with CircleUp's Helio Access Program.

Fast access to cash from$50K to $10M²

No dilution and you retain your board seats. You can get funds as fast as the next business day.³   

Competitive and transparent pricing with no hidden fees

At CircleUp you can expect competitive and transparent pricing with no surprises. 

How to get started

Check Eligibility

Review Solutions

Get Terms

Use Your Funds





Check your eligibility in 2 minutes⁴. No credit check or fee required.

Speak to a specialist to help you identify your financing options on a quick call.

Provide your financial documents and get terms in approximately 48-72 hours⁵

Funds can be distributed to your bank account within the next business day³ and you get access to the Inner Circle.

Credit options that fit with how you sell

We offer flexible solutions backed by accounts receivables, inventory, purchase orders, and online revenues across CPG categories (e.g. food, beverage, apparel, personal care, beauty, and pet products).

Asset Backed Line of Credit

Hybrid Line of Credit

DTC Line of Credit

Term Loan

Offline Retailers

i.e. Walmart, CVS, Target

DTC (Direct to Consumer)

i.e. Amazon, Shopify, Etsy


i.e. Offline Retailers + DTC

Membership to CircleUp's Inner Circle

Each new credit borrower gains exclusive access to an active community of CPG entrepreneurs coming together to engage in peer-to-peer learning.  Get real experiences and perspectives on outsourcing accountants, selecting co-packers, selling on Shopify, and more. Browse 300+ existing topics or pose your own question today. 

Testimonials may not be representative of the experience of others and are no guarantee of future performance or success. No individuals were compensated in exchange for their testimonials. 

Additional questions?Get in touch with a credit specialist.

* The services described herein are offered exclusively by CircleUp and Upwork does not offer, specifically endorse, or otherwise warrant, guarantee, or state that you will be eligible, approved, or satisfied with any such service or offering. All inquiries, applications and communications related to these services should be directed to CircleUp.

1.  Checking your eligibility does not require financial documents or a credit check. 

2. Final loan amount will vary based on various facts and circumstances including applicant's credit and financial profile. 

3. Once a loan agreement is signed,  funds are typically distributed the following business day, although it may take longer under certain circumstances.

4. Typical time required to provide contact details and essential business information using the online form.

5. Typical decision time for lower risk credit borrowers. Longer review cycles may be required depending on company structure. 

Important Disclosure: is a website operated by CircleUp Network Inc. By accessing this site and any pages thereof, you agree to be bound by its Terms of Use and Privacy Policy.  Any credit fund vehicle(s) or credit fund related activities referenced on this site are separately managed private fund(s) managed by CircleUp Credit Fund Advisors, LLC, a wholly owned subsidiary of CircleUp Network Inc. All lending related activity referenced on this site are offered through CircleUp Credit Advisors LLC, a wholly owned subsidiary of CircleUp Network Inc. Loans to California-based companies are made pursuant to its California Finance and Broker License (No. 60DBO-69106).

Copyright © 2020 CircleUp Network Inc. All rights reserved.