Our headquarters is at 1399 Franklin Avenue, Suite 200, Garden City, NY 11530, and we operate a South Florida branch in Pompano Beach. Wherever your business is located, we can help: we work with business owners in all 50 states and parts of Canada. Call 1 (855) 933-8638 (855-WE-FUND-U) with any questions.
UCS has been helping small business owners find the right funding since 2011. In that time, we have helped more than 40,000 businesses access over $1.6 billion in financing through our lender network. Our founder and CEO, Jared Weitz, has worked in business financing since 2006.
Since 2011, we have helped 40,000+ businesses access more than $1.6 billion in funding. We hold 1,600+ five-star reviews across Google and Trustpilot, an A+ rating from the Better Business Bureau, and two appearances on the Inc. 5000 list of fastest-growing companies (2015 and 2017). More importantly, you will notice the difference on the first call: a dedicated funding advisor who treats your business like their own, because our success is tied to yours.
Through our network of 80+ vetted lenders, we offer one of the widest ranges of funding products in the industry: business term loans, SBA loans, business lines of credit, equipment financing, invoice and receivables factoring, merchant cash advances and other revenue-based financing, working capital loans, and real estate and asset-based loans. Programs range from $1,000 to $25 million depending on the product. We also facilitate low-cost credit card processing for any business.
No, and that is by design. UCS is a full-service business funding marketplace. The capital comes from our network of 80+ vetted lenders; our job is to match you with the right one. A dedicated funding professional reviews your business profile, matches your file with the lenders best positioned to approve it, and walks you through every option from application to funding. You get the reach of 80+ lenders with one application and one point of contact.
Many lending websites are lead-generation sites: you fill out a form, your information is sold to multiple lenders, and the calls start. We handle everything in-house. You apply once, a dedicated funding professional packages your file, and we submit it to the best-fit lenders in our network. If one lender declines, we move your complete file to the next fit, so you never restart paperwork or retell your story.
Nearly all of them. Our lender network funds restaurants, retail, construction, trucking, medical practices, e-commerce, and hundreds of other industries, including many that banks consider high-risk. Because a large portion of our network underwrites on revenue rather than industry or credit score alone, businesses turned away by banks often qualify through UCS. See our Industries page for a list of our more popular industries.
Yes. You can complete the entire process online in a few minutes, or work with a dedicated funding advisor by phone if you prefer a hands-on approach. Most clients use a mix of both.
Yes. Many lenders in our network underwrite primarily on your revenue and bank statement consistency rather than your credit score, and some programs accept scores as low as 475. We have helped thousands of business owners with less-than-perfect credit find the right funding.
Our lender network does not fund pre-revenue startups. However, if you have been operating for at least six months and can document your sales (10K p/mo. revenue minimum) with business bank statements, you are a candidate for several programs, including line of credit financing and revenue-based options. The application is short and simple, so it costs nothing to find out.
To fund a business, our lenders generally require the applicant to hold at least 51% ownership, and some programs require more. If you own a smaller stake, call us at 1 (855) 933-8638; one common path is applying jointly with the majority owner.
No. Everything can be signed and submitted electronically. We accept documents by secure upload or email, and e-signatures are standard on nearly all programs. Fax works too if you prefer it.
Most applicants receive a decision within one business day. Our network can approve and fund in as little as 24 hours, with same-day funding available for qualified files, and a typical application-to-funding timeframe of 1 to 3 business days. Submitting your documents promptly is the biggest factor in how fast you get funded.
For most programs, just two things: a one-page application and your three or four most recent business bank statements. Larger requests and certain products may call for extras such as a recent tax return, a year-to-date profit and loss statement, or an accounts receivable report. SBA loans require fuller documentation, including two to three years of business and personal tax returns. Your funding advisor gives you an exact list up front, so there are no surprises.
It depends on the program. Some options in our network start at credit scores as low as 475, including equipment financing and merchant cash advances. Business lines of credit generally start around 575, term loans around 550, and SBA loans typically require 675 or higher. Many of our lenders weigh revenue and cash flow more heavily than your score, so a lower score rarely ends the conversation.
Yes. Approvals are based on the deposits flowing through your business bank account, so you will need an account with an established U.S. bank. Online-only accounts such as PayPal, Chime, or CashApp cannot be used to qualify.
Submitting your initial application involves a soft credit inquiry, which does not affect your score. A hard inquiry generally happens only later in the process, depending on the lender and program, and your advisor will tell you before one is run.
No. Applying is free, and so is the consultation with your funding advisor. There is no cost and no obligation to review your business loan program options.
UCS avoids charging closing fees on as many files as we can to make the financing more cost-effective. Some lenders and programs carry origination or closing costs, which vary by product. Any such costs are disclosed in your offer before you sign, so you always see the full picture up front.
Rates depend on the product, your revenue, credit profile, and time in business. As reference points across our network: SBA loans start at Prime + 2.75%, business lines of credit and receivables factoring start at 1% per month, and term loan rates start in the 1% to 4% monthly range. Because of the application volume we send our lenders, UCS qualifies for wholesale pricing tiers, which frequently means better rates than applying to a single lender directly. Your advisor always presents the most competitive offers your file qualifies for.
Like most marketplaces, we are compensated by the lenders in our network when your funding closes, so we only succeed when you actually get funded. And because we earn our keep over the life of the client relationship rather than on a single transaction, your advisor is incentivized to put you in the right program, not the most expensive one.
Some products, like merchant cash advances, are priced with a factor rate instead of an interest rate. A factor rate is a flat multiplier: borrow $50,000 at a 1.2 factor rate and you repay $60,000, regardless of the timeline. Interest, by contrast, accrues on your remaining balance over time. Your advisor will show you the total payback amount for any offer so you can compare products side by side.
Submit all requested documents within one day of your application, and make sure bank statements are complete (every page, every month requested). Being reachable for the lender’s brief verification call also speeds things up. Qualified files can fund the same day.
It depends on the program. Our network includes unsecured options with no collateral as well as secured programs where collateral can improve your rate or amount. Some programs may require a personal guarantee; others do not. Whichever direction fits your file, these details are communicated verbally and in writing before you commit to anything.
Some programs in our network report to business or personal credit bureaus and some do not. If building business credit matters to you, or if you would rather your financing not appear on your personal report, tell your advisor and we will match you accordingly.
Yes, in many cases. A funding advisor will review your existing balances and payment schedule, then recommend programs that add capital without overextending your cash flow. Options can include additional financing alongside your current loan or consolidating into a single larger facility. This becomes the single canonical version; delete the near-duplicate in Applying.
Programs across our network range from $1,000 to $25 million. The amount you qualify for depends primarily on your monthly revenue, along with time in business and credit profile; most lenders base offers on the deposits flowing through your business bank account. The fastest way to find out is the free application, which shows your options with no obligation.
You do not start over. We already have your complete packaged file, so we route it to the next best-fit lender in our network; one application covers all 80+ lenders. This is the practical advantage of a marketplace over applying to lenders one at a time: a single decline is a routing event, not a dead end.
Almost any legitimate business purpose: working capital, payroll, inventory, equipment, expansion, marketing, taxes, or consolidating higher-cost debt. Some programs are purpose-specific, like equipment financing, while most are unrestricted. Tell your advisor your use of proceeds and we will match the right product to it.
Depending on the program, repayment can be daily, weekly, semi-monthly, or monthly. Some products offer flexible structures, such as interest-only draws on a line of credit or revenue-based remittances that scale with your sales. Your advisor will match the repayment schedule to your cash flow before you sign.
Most programs in our network carry no prepayment penalty, and many offer a discount for early payoff, which your advisor will often negotiate with the lender on your behalf. The exception: some term loan programs may include one, and if a program does, it is disclosed in writing before you sign. There is never a UCS fee to close your account early.
No. Most programs today, including most merchant cash advances, are repaid by ACH from your business bank account, so your card processing stays exactly as it is. If you would like, we can also review whether we can lower your current processing costs, but that is never required.
Often, yes. Many clients return for additional capital partway through repayment. Depending on the program and your payment history, options include a renewal, additional financing alongside your current balance, or refinancing into a larger facility. Your advisor will structure it so the combined payments stay manageable.
No. Your information is never sold to third parties. Everything is stored in a secure, cloud-based system, nothing is saved to local machines, and your file is shared with a lender only when we submit it for your funding request.
If your file does not move forward, printed documents are shredded and securely disposed of, and your information is never sold or shared. If you would like your data removed from our records entirely, contact us and we will walk you through it.
No. UCS does not notify your creditors that you have applied for business funding. Your application is between you, UCS, and the lenders we submit your file to.
Yes. Documents you send us are received on secure systems, and we maintain a formal cybersecurity program covering encryption, access controls, and staff training. If you prefer not to email sensitive documents, ask your advisor for a secure upload link.
All legitimate UCS emails come from an @unitedcapitalsource.com or an @goucs.com address, never from Gmail, Yahoo, or another domain. We will never contact you through Facebook, Facebook Messenger, or any other social media to discuss funding. If you receive a suspicious message using our name, do not share any information; call us at 1 (855) 933-8638 or email [email protected] so we can investigate.
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.
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.
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.
