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Frequently Asked Questions

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UCS is located in Great Neck, NY. However, we cater to the entire U.S. and parts of Canada too! Please call 855-WE-FUND-U for complete details.

UCS has been in helping small business owners find the right funding products since 2011. However, its founder/CEO has been in the business financing industry since 2006.

The question is, why shouldn’t you? We have a 5-star rating with Google & TrustPilot with 1250+ real reviews, we have an A+ BBB Rating, and we’ve made the Inc. 5000 list of fastest-growing companies for 2015 & 2017. You’ll notice the UCS difference from the first phone call! We care about and treat your business as if it were our own because our success is tied to yours.

Our vast network of lenders offers the widest array of business funding products in our industry. Their specialties include but are not limited to SBA Loans, Business Lines of Credit, Accounts Receivables Factoring, Inventory Loans, Bridge Loans, Business Loans (secured and unsecured), and Merchant Cash Advances. We also facilitate the lowest priced Credit Card Processing options for any business.

Yes, you can! We offer both a fully automated process or a more involved Concierge approach.

YES, UCS has been able to help many clients with a less than perfect credit history.

Yes, our lender network offers many products that can help you, no matter the current situation.

Our network of lenders is unable to help fund start-ups. However, if you have been open for at least three months and can provide official documentation of your sales history, you are a candidate and should not hesitate to apply. In fact, it will be a short and simple process.

Our network of lenders requires at least 51% ownership to close on a deal. In some cases, they would require 80%. Call us at (855) WE-FUND-U for any additional questions you may have.

No. We happily accept all documentation sent to us by fax or e-mail to our secure server.

Our network of lenders can approve and fund in as little as 24 hours. An average funding time-frame is 2-4 business days.

No, UCS doesn’t charge any fees to apply for any of the small business loan programs our network of lenders offers.

UCS doesn’t directly charge any additional fees.

UCS has a vast network of lenders with over 10 different business funding programs, each with its own rate and terms. Our representatives do their best to find the most aggressive offers for our clients regarding the cost of funding.

No, there is no fee to close the account if you’d like to pay early. As a matter of fact, a UCS representative will often work with the lender to provide you with a discount when you pay early.

UCS’s network of lenders has programs that offer this feature and some that don’t. Depending on the client’s needs, we place them into the appropriate program to fit those needs.

No, there isn’t. UCS’s lender network has many funding programs that offer a discount to pay off early, so YOU SAVE!
A qualified UCS representative will review your account with you and help find a program that will fit your scenario without overextending your business.
Our network of lenders offer programs that do not have a personal guaranty or collateral, and they also offer programs that do. These details will depend on the type of financing you are looking for and will be communicated to you by our funding experts, verbally, and in writing.
To expedite approval and funding, we encourage you to submit all requested documentation within 1 (one) day of submitting the initial application.

Our network of lenders has repayment options that include daily, weekly, semi-monthly, and monthly.

The simple answer is NO! We work with many providers that do not require a change to your payment systems. However, if you did want to see if UCS could save you money on your current merchant account we’re always glad to help facilitate lower-cost options!

No, UCS stores all information in a secure CRM which sits on a secure cloud. Nothing is saved to any local computers, and no data is ever sold to any 3rd parties.

UCS shreds any printed information and securely disposes of all shredded documents.

UCS doesn’t directly alert any creditors that you’re applying for business funding.

YES, UCS has a top-notch cybersecurity policy along with the most sophisticated security software.

How to apply for business funding through UCS

Apply online in a few minutes

Use our simple online application to submit a request for business funding. If you need any help along the way, just give us a call, chat or email.

Get expert advice on loan options

An expert, knowledgeable account executive will walk you through all the fine details and the requirements. This is to ensure you have all the info you need.

Finalize your application & get funded!

Once your funding has been approved & closed, the lender sends the funds to your account so you can start using it to grow your business.

Ready to grow your business? See how much you qualify for:

    Current monthly sales deposit average to your business bank account?

    How much Working Capital would you like for your business?

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      Current monthly sales deposit average to your business bank account?

      How much Working Capital would you like for your business?

      At UCS, we understand the value of your time and want to ensure that your application has a great chance of approval. Please take note of the following details before applying:
      • To be eligible, it’s necessary to have a business bank account with a well-established U.S. bank such as Chase, Wells Fargo, Bank of America, Citibank, or other major banks. Unfortunately, online-based bank accounts like PayPal, Chime, CashApp, etc., are not permitted.
      • When describing your current average monthly sales deposits to your business bank account, please provide accurate information. Our approval process is based on your current business performance, and it’s essential to provide accurate details about your current sales in the first question on the application form. We cannot approve applications based on projected revenues after receiving funding.
      We appreciate your understanding and cooperation in ensuring a smooth and successful application process.
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