Urge Capital - Fast Working Capital for Small Businesses
Merchant cash advance, $5,000 to $500,000, daily or weekly debits. No published factor rate (about 109% APR at 1.30 over 6 months). Soft pull, same-day wire.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Best for: Businesses with at least $10,000 in monthly revenue and 3 to 6 months of history that need same-day cash and can't get a bank line.
Not for: Anyone who wants a published price, a long cheap term, or a lender with a public track record.
Lender List verdict: Urge Capital offers a fast, low-paperwork MCA. It claims to fund directly, but its terms let unaffiliated funders issue deals, and an assumed 1.30 factor over six months costs about 109% APR.
Urge Capital at a glance
| Urge Capital | |
|---|---|
| Lender type | MCA provider; claims direct funding; may use third-party funders |
| Founded / HQ | Not stated (domain registered July 2024) / New York, NY |
| MCA amounts | $5,000 to $500,000 |
| Cost | Not published; about 109% APR at a 1.30 factor over 6 months (est.) |
| Funding speed | Most decisions under 2 hours; same-day wire |
| Status | Active (October 2026) |
What is Urge Capital?
This Urge Capital review covers a New York, NY-based merchant cash advance (MCA) provider that advances $5,000 to $500,000. It also lists credit lines to $250,000, term loans to $500,000, equipment leasing to $1 million and hard money to $5 million.
How the Urge Capital merchant cash advance works
Urge Capital collects its advance through daily or weekly ACH debits and decides most files in under two hours, with same-day wires.
- Application: 5 to 10 minutes online; bank statements, ID and a voided check.
- Renewals: Top-ups and consolidation as you pay down a balance.
Urge Capital rates and fees
Urge Capital publishes no factor rates, holdback or fees; NerdWallet puts typical MCA factor rates at 1.1 to 1.5 and holdbacks at 5% to 20% of card sales. It does not say whether it files a UCC lien.
Worked example: $25,000 × 1.30 = $32,500 payback ($7,500 cost). Over 126 daily debits (about six months) that is $257.94 a business day, roughly 109% APR; over nine months ($171.96 a day), roughly 73%. A 1.10 to 1.50 factor over six months spans about 38% to 174% APR.
Early payoff: the company says many products carry no prepayment penalty.
Urge Capital requirements
Urge Capital asks for $10,000 in monthly revenue and 3 to 6 months in business.
| Requirement | Urge Capital minimum |
|---|---|
| Personal credit score | No stated minimum |
| Time in business | 3 months (product page); 6 months (FAQ) |
| Revenue | $10,000 per month |
| Collateral / guarantee | Lender does not publish |
Compare the merchant cash advance category or PayPal Working Capital.
Frequently asked questions about Urge Capital
Is Urge Capital Legit? Urge Capital is an active business, but its track record is thin: its domain dates to July 2024, it names no legal entity or license, and it had 0 reviews on Trustpilot and Sitejabber in October 2026. Our web searches found no regulatory actions; BBB could not be checked.
Is Urge Capital a Loan or a Merchant Cash Advance? Its core product is a merchant cash advance, not a loan. You sell part of your future revenue for a lump sum of $5,000 to $500,000, then repay a fixed total through daily or weekly debits until the agreed amount is collected.
Is Urge Capital a Direct Lender or a Broker? Partly a broker. Urge Capital says it funds from its own reserves, but its terms say unaffiliated third-party funders may issue deals, it advertises SBA loans without appearing in SBA 7(a) lender data, and it runs a paid referral (ISO) program. Check which funder your agreement names.
Does Urge Capital Check Credit? Yes, softly at first. Applying triggers a soft inquiry that does not affect your score; a hard pull follows only if you proceed and consent. Urge Capital lists no minimum credit score and weighs cash flow and revenue trends more heavily.
What Happens If My Sales Drop? Urge Capital says payments ease when revenue falls, but many MCAs debit a fixed daily or weekly amount regardless of sales. Before signing, ask whether your contract includes a reconciliation clause that lets you request adjusted payments based on your actual deposits.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Businesses with at least $10,000 in monthly revenue and 3 to 6 months of history that need same-day cash and can't get a bank line.
Not for: Anyone who wants a published price, a long cheap term, or a lender with a public track record.
Lender List verdict: Urge Capital offers a fast, low-paperwork MCA. It claims to fund directly, but its terms let unaffiliated funders issue deals, and an assumed 1.30 factor over six months costs about 109% APR.
Urge Capital at a glance
| Urge Capital | |
|---|---|
| Lender type | MCA provider; claims direct funding; may use third-party funders |
| Founded / HQ | Not stated (domain registered July 2024) / New York, NY |
| MCA amounts | $5,000 to $500,000 |
| Cost | Not published; about 109% APR at a 1.30 factor over 6 months (est.) |
| Funding speed | Most decisions under 2 hours; same-day wire |
| Status | Active (October 2026) |
What is Urge Capital?
This Urge Capital review covers a New York, NY-based merchant cash advance (MCA) provider that advances $5,000 to $500,000. It also lists credit lines to $250,000, term loans to $500,000, equipment leasing to $1 million and hard money to $5 million.
How the Urge Capital merchant cash advance works
Urge Capital collects its advance through daily or weekly ACH debits and decides most files in under two hours, with same-day wires.
- Application: 5 to 10 minutes online; bank statements, ID and a voided check.
- Renewals: Top-ups and consolidation as you pay down a balance.
Urge Capital rates and fees
Urge Capital publishes no factor rates, holdback or fees; NerdWallet puts typical MCA factor rates at 1.1 to 1.5 and holdbacks at 5% to 20% of card sales. It does not say whether it files a UCC lien.
Worked example: $25,000 × 1.30 = $32,500 payback ($7,500 cost). Over 126 daily debits (about six months) that is $257.94 a business day, roughly 109% APR; over nine months ($171.96 a day), roughly 73%. A 1.10 to 1.50 factor over six months spans about 38% to 174% APR.
Early payoff: the company says many products carry no prepayment penalty.
Urge Capital requirements
Urge Capital asks for $10,000 in monthly revenue and 3 to 6 months in business.
| Requirement | Urge Capital minimum |
|---|---|
| Personal credit score | No stated minimum |
| Time in business | 3 months (product page); 6 months (FAQ) |
| Revenue | $10,000 per month |
| Collateral / guarantee | Lender does not publish |
Compare the merchant cash advance category or PayPal Working Capital.
Frequently asked questions about Urge Capital
Is Urge Capital Legit? Urge Capital is an active business, but its track record is thin: its domain dates to July 2024, it names no legal entity or license, and it had 0 reviews on Trustpilot and Sitejabber in October 2026. Our web searches found no regulatory actions; BBB could not be checked.
Is Urge Capital a Loan or a Merchant Cash Advance? Its core product is a merchant cash advance, not a loan. You sell part of your future revenue for a lump sum of $5,000 to $500,000, then repay a fixed total through daily or weekly debits until the agreed amount is collected.
Is Urge Capital a Direct Lender or a Broker? Partly a broker. Urge Capital says it funds from its own reserves, but its terms say unaffiliated third-party funders may issue deals, it advertises SBA loans without appearing in SBA 7(a) lender data, and it runs a paid referral (ISO) program. Check which funder your agreement names.
Does Urge Capital Check Credit? Yes, softly at first. Applying triggers a soft inquiry that does not affect your score; a hard pull follows only if you proceed and consent. Urge Capital lists no minimum credit score and weighs cash flow and revenue trends more heavily.
What Happens If My Sales Drop? Urge Capital says payments ease when revenue falls, but many MCAs debit a fixed daily or weekly amount regardless of sales. Before signing, ask whether your contract includes a reconciliation clause that lets you request adjusted payments based on your actual deposits.
Last verified 2026-10-26. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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