Question 1

Where is United Capital Source located?

Accepted Answer

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.

Question 2

How long has UCS been in business?

Accepted Answer

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

Question 3

Why should I do business with UCS?

Accepted Answer

The question is, why shouldn’t you? We have a 5-star rating with Google & TrustPilot with 1250+ of 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.

Question 4

What are the types of products you offer?

Accepted Answer

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 type of business.

Question 5

Can I handle my whole application process online if I’d like?

Accepted Answer

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

Question 6

If I’ve had past credit problems, should I apply?

Accepted Answer

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

Question 7

If I already have a business loan, and need more funding should I apply?

Accepted Answer

Yes, our network of lenders offer many products that can help you no matter the current situation.

Question 8

My business just started. Can I still I get approved for financing?

Accepted Answer

Our network of lenders are 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.

Question 9

Can I leverage my minority ownership in a business for personal financing?

Accepted Answer

Our network of lenders require 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.

Question 10

Do I need to mail in signed hardcopies of the application and contract?

Accepted Answer

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

Question 11

How much time after filling out an application does it take to get a decision?

Accepted Answer

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

Question 12

Is there a fee to apply for business funding?

Accepted Answer

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

Question 13

Are there any closing costs?

Accepted Answer

UCS doesn’t directly charge any additional fees.

Question 14

What are the typical rates?

Accepted Answer

UCS has a vast network of lenders that have 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 when it comes to cost of funding.

Question 15

If I want to pay early, is there a fee to close my account?

Accepted Answer

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.

Question 16

Will this financing report to my business or personal credit?

Accepted Answer

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

Question 17

Is there a pre-payment penalty if I want to pay my account off early?

Accepted Answer

No there isn’t, UCS's network of lenders has many funding programs that offer a discount to pay off early so YOU SAVE!

Question 18

If I already have a business loan, can I qualify for another?

Accepted Answer

A qualified UCS representative will review your account with you and help find a program that will fit your scenario without overextending your business.

Question 19

Is your financing personally guaranteed and do you require collateral?

Accepted Answer

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.

Question 20

What steps can I take to ensure I receive the funds as fast as possible?

Accepted Answer

To expedite approval and funding, we encourage you to submit all requested documentation within 1 (one) day of submitting the initial application.

Question 21

What type of repayment options are there business funding products?

Accepted Answer

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

Question 22

Do I have to change my credit card merchant account?

Accepted Answer

The simple answer is NO! We work with many providers that do not require a change to your payments 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!

Question 23

When I send my personal information to UCS does the company re-sell it?

Accepted Answer

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.

Question 24

What happens with my information if I’m declined?

Accepted Answer

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

Question 25

Will any of my creditors be notified I’ve applied for business funding?

Accepted Answer

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

Question 26

Is my email secure that I send to the company with my information?

Accepted Answer

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

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