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Hear of our success – not from us, but from our customer testimonials.

Here’s what business owners like you are saying:

What our clients are saying:

Family Dental Practice Testimonial for Small Business Loans

Dr. Gary Minkowitz
Owner of Gary
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Fitness and Performing Arts Business Testimonial for Small Business Loans

Katy Cocovinis
Owner of NY All Stars

Convenience Store Testimonial for Small Business Loans

Mr. Sachin
Owner of Milk n’ Things
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Consulting Company Testimonial For Small Business Loans

Stephen Curley
Owner of CMS Global Group

Restaurant Video Testimonial For Small Business Loans

Gregg LaPenna
Owner of Whales Tale Oyster Bar & Seafood Grill
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Auto Repair Video Testimonial For Small Business Loans

Andy Decime
Mechanix On Call

Telecommunications Video Testimonial For Small Business Loans

Steve Green
Owner of GTS Telephone
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Veterinarian Video Testimonial For Small Business Loans

Dr. Stuart Gower
The veterinary owner of Woods Avenue Animal Clinic

Marine Equipment Video Testimonial For Small Business Loans

John D. Hoffman
Owner of Diesel Tech Inc
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Client Case Studies

THE CLIENT

Amy Paleta, plumber and owner of a home improvement company

THE OPPORTUNITY AND THE CHALLENGE

Amy was ready to grow and hire some new employees for upcoming jobs that needed a larger team. She also needed to meet payroll for her current staff. Since contractors have to lay out for projects before they get fully paid for them, Amy’s small business was in a cash flow crunch.

Making matters more challenging: Amy had gotten some bad advice from earlier business lenders and found her business stuck in a loan stacking situation. She had multiple open small business loans with existing balances that needed to be paid off.

HAPPY DAYS

Craig Gallo, Amy’s UCS account exec, looked over her situation and rejected taking the easy route that previous business lenders had gone, getting her another small business loan to stack on top of the others. Instead, Craig worked with Amy to set up a plan to pay down the existing balances on the high interest business loans she had and consolidated all of them into one program at a much better rate and term for her.

BOTTOM LINE

Amy has come back to Craig and UCS for additional funding because she trusts Craig’s advice and UCS’s approach to helping small businessesFrom the first deal Craig focused on steering her in the right direction, as opposed to some of the people she had worked with prior to UCS, who were more focused on just getting a deal done and getting paid, rather than help her business financially. That’s not how Craig rolls. He explains, “Speaking with clients who understand that you are not just doing your job but looking out for them as well makes the process a lot more rewarding for me.”

WHAT SHE SAID

“Great Service!! We worked with Craig for funding for our business. He was there to help with all our needs. Quick to respond to any questions and made sure that we had what we were looking for. He made the whole process a breeze!”

THE CLIENT

Andrew Van Horn, restaurant/café owner

THE OPPORTUNITY AND THE CHALLENGE

The café’s bank statements had started to run red. Too many past catering jobs hadn’t yet paid up, and the daily cash needs to buy food and pay staff hadn’t changed. Andrew’s cash flow was running extremely tight. Time was not his friend.

He also needed a restaurant business loan to get current with some of the café’s outstanding invoices and to buy some new equipment for the restaurant. Mostly, he needed the operating cash fast. USC account exec George describes their circumstances, “This was truly a situation where if they didn’t get the funds, they would have had to close up shop until they had money to operate.”

HAPPY DAYS

UCS was able to improve Andrew’s financial situations in a number of ways. First, it took only a weekend to get Andrew his money. No closures or gap in operations for the café. Even better, George took Andrew through a complete overhaul of his finances so the café could best use the funds to grow, not just fill in a cash flow gap.

George got the café set up with a new credit card processorcutting Andrew’s credit card processing fees by 40%. That’s earned money staying in the business. This new credit card processor also batched their receivables faster, getting Andrew the café’s money faster.

BOTTOM LINE

Bad experiences with banks and other online business lenders had left Andrew with a bad taste. But George opened up a relationship based on respect for Andrew and what he’s trying to build. The café quickly got the business funding it needed to keep the doors open, and practical assistance improving its financial operations that will continue to benefit Andrew’s café long into the future.

George looks forward to seeing how Andrew continues to grow his restaurant, “We built a solid relationship on our first small business loan together and will be working together for many years to come. We set him on the right path so he could stop dealing with the nuisances of the business aspect of running a restaurant and focus solely on his product.”

WHAT HE SAID

Having received numerous robo-calls from so-called business lenders I was extremely skeptical, but my experience with George made me a believer. Started the process on Friday afternoon and the money was in the bank on Tuesday. The process was fast and simple with a minimum of paperwork. Banks make you beg for money and speak down to you, George made you feel like your uncle was lending you the money. United Capital is now a business partner!”

THE CLIENT

Annie Griffin, Owner of a Home Cleaning & Services Company

THE OPPORTUNITY AND THE CHALLENGE

Annie’s small business has a number of standing contracts to clean homes, but the recurring payments don’t always arrive on time. Recently, delayed deposits meant she had 48 hours to find outside funding or she wouldn’t meet payroll. Every small business owner’s nightmare – not taking care of their people.

Complicating Annie’s situation was less than perfect credit and an outstanding small business loan. These additional challenges meant her file was slightly more complicated and time consuming to underwrite. It was also important to get her a working capital program that wouldn’t harm her business’s cash flow.

HAPPY DAYS

We were able to get Annie approved on a Thursday and funded the next day, Friday. The whole process was completed within 48 hours, and she was able to make payroll and keep business going on even though there was a disruption in incoming revenue,” says Bryan Rabanal, Annie’s UCS account executive.

Bryan and Annie brainstormed together to make sure they had all the necessary documentation needed to satisfy all the business funding process requirements. She kept herself readily available to Bryan so she could quickly answer any questions underwriters had while Bryan spoke with them.

BOTTOM LINE

Their excellent teamwork on this first program led Annie to realize what a good fit UCS is for her. She’d taken working capital from companies in the past, but never established the working relationship she wanted with an account executive. Annie saw that Bryan also looked to establish a long lasting relationship with merchants and their business.

Bryan explains, “I really want to help businesses grow organically and make sure to position their file in a manner that allows them to graduate into a better program that provides additional capital with longer terms and even better rates!”

The two are continuing to work together to get all of Annie’s financing consolidated into one small business loan through UCS.

WHAT SHE SAID

“Amazing!! Bryan Rabanal did a fantastic job getting the funds we needed for our company. He was on top of it every step of the way, couldn’t ask for a better representative. Very happy customer and will definitely be using them from now on!

THE CLIENT

Bryon Bain, owner of an adult mental care facility

THE OPPORTUNITY AND THE CHALLENGE

Time was not working in Bryon’s favor. He called UCS on July 3rd and needed some operating capital ASAP. Most of his adult mental care facility’s revenue arrives at the mercy of the government funding through Medicaid and Medicare, as well as from insurers. The claims submission process itself takes a long time – and that’s what happens before payment to his company gets approved. Then comes the processing time for payment to be sent to the company.

The reduced banking hours in the run-up to the long holiday weekend really put the pressure on getting Bryon the working capital his business needed.

HAPPY DAYS

The UCS account exec, Tom, used his knowledge about UCS’s lenders to get Bryon and his company the working capital loan they needed on the time frame they needed. Tom had already gotten Bryon’s application approved for funding from one bank but realized that the bank wouldn’t be able to deliver the funds on time. Tom explains, “So I submitted the file to one of our other lending partners who happened to be working later in the day than almost every other funder. We had the merchant approved and funded all before the weekend. The timing was the main concern.”

BOTTOM LINE

Tom heard more than the urgency in Bryon’s voice. As Tom puts it, “I could tell Bryon really cared about the people he was serving, and that made me want to go the extra mile to make sure he had all the funding he needed to make sure his business ran smoothly.” Tom responded to Bryon’s time constraints, while Bryon trusted Tom’s knowledge of the business lending industry. The time pressure and open, honest communication between Tom and Bryon made the pair a great team as they explored the different programs operated by UCS.

WHAT HE SAID

“Tom was amazing. I salute you for your hard work and extreme dedication to me and my company. Thank you for that great customer service that you gave me today. Amazing amazing.”

THE CLIENT

Catherine, owner of a health insurance agency

THE OPPORTUNITY AND THE CHALLENGE

Catherine’s needs were pretty typical for a small business. She needed an influx of cash for some working capital and to invest in an advertising campaign. Her cash flow was too tight to make this investment without additional working capital, but she knew a formal marketing push was exactly what her business needed to grow.

Catherine’s biggest problem was operating her business out of a personal bank account. The specific account was only used for her business, but the account was opened under her name – not her business name. Sam Sherman, her UCS account exec, knew that business lenders weren’t going to respond positively unless she had a proper business bank account.

HAPPY DAYS

Sam guided Catherine through the operational changes she needs to make to become attractive to business lenders. Namely, he advised her to open up a business checking under the DBA’s name, run at least a week’s worth of transactions through it, and then get a letter from her bank attesting to the change. As Sam says, “She did exactly what I asked of her, and we were able to fund her the following week after opening the account.”

BOTTOM LINE

Having a business bank account just one week old still wasn’t ideal. But Sam was able to use his relationships with the underwriters to get an exception for Catherine and get her business funded. Not every potential client is willing to take the advice of UCS’s experienced account execs to improve their business’s attractiveness to lenders. Sam explains, “Often people are reluctant to do what is needed for funding. Because of this, we are unable to help them out the best we can. Catherine made it very easy to get things done for her on my end. If we work together as a team, it is a straightforward process, and she made it just that.”

WHAT SHE SAID

“Very easy to work with. Sam Sherman was friendly, helpful, and very responsive. I really appreciated the care and time spent getting a great solution to a short term cash flow issue.”

THE CLIENT

Christopher Holden, owner of wrecker/towing service

THE OPPORTUNITY AND THE CHALLENGE

A small business signs a major contract. It’s going to take every resource available to service the new client. And equipment failures happen. It’s just one of those sticky situations every small business owner falls into. In Chris’s situation, he needed emergency repairs done on some equipment. And he needed them done in a day.

Chris’s UCS account exec Aaron Gower describes the situation, “He contacted me in the morning and needed business funding before the end of day. I spent most of my day that day getting his file together and ready for the underwriters in order to get a quick approval and funding.”

HAPPY DAYS

Without the cash to get the needed equipment repairs, Chris would have had to turn down the work, resulting in a crippling loss of expected revenues. Fortunately, by working together – Aaron and Chris got the financing deal done.

When Chris first emailed, he’d already attached his bank statements. Aaron immediately called him to confirm receipt and get things started. From offer to agreement to contracts, they kept up constant contact throughout the day. Aaron explains why, “When I help my merchants, I try to put myself in their shoes. It was a relief for both of us that I was able to help him in under 24 hours.”

BOTTOM LINE

This first deal is just the beginning. Chris is making repayment a high priority, which is helping him build the necessary track record needed to obtain future working capital loans for his business at better rates and terms.

Aaron says, “I look forward to helping Chris’s business mature to stronger programs and larger growth to take on more jobs simultaneously. Helping him navigate his business finances gives me great pride and makes me feel like I’m helping a good person and a good business thrive.”

WHAT HE SAID

“Best in the Business. These guys are great, especially Aaron Gower. Thanks for helping, I was in a tight spot.”

THE CLIENT

Christopher Jones, construction contractor

THE OPPORTUNITY AND THE CHALLENGE

Christopher was looking for some extra working capital to repair some equipment and hire more workers for larger projects that his company was starting to take on. He was sitting on some open accounts receivables to come in on existing jobs, so Chris needed some additional cash to keep things on schedule.

Christopher’s biggest challenges were qualifying for the full amount he needed to succeed on these new larger projects, and just being available to get a loan package put together. Like so many small business owners, Christopher was knee deep in the day-to-day, always on a job site. It was difficult for him to carve out the time to do the things needed to maintain or grow his business.

HAPPY DAYS

To get a deal done, Craig Gallo, his UCS account exec, was ready to meet Christopher where he was. Craig describes how this helped them work together, “We would usually do a lot of the discussing of details after hours and I remember even going over the program with him while I was home cooking dinner. He was doing the same, so we both respected each other’s work ethic.”

BOTTOM LINE

Christopher got the full amount of funding he needed on a schedule that worked for his growing business. He and Craig have worked together on subsequent small business loans as his business has continued to expand. Craig likes to “touch base so I can see how the company has grown since the last few rounds of funding.”

WHAT HE SAID

“Great customer service. Craig was awesomeHe was quick to respond to us and was always available to answer questions. He was very patient with us. We looked at one other company who offered us about the same deal however their representative was pushy and rude.”

THE CLIENT

Cindy H., owner of an urgent care center

THE OPPORTUNITY AND THE CHALLENGE

Cindy had been burned before. She’d spoken to a ton of other lenders before contacting UCS. She knows her own business model and the common cash flow challenges of medical practices backwards and forwards. So Cindy realized instantly that these other lenders had no idea how to structure the correct small business loan program that would help her business keep up with day to day operating expenses and grow at the same time.

Nearly all an urgent care’s revenue comes from insurers and through credit card processing”. Cindy needed a larger business loan to cover supplies, new equipment, daily operating expenses, all while funding a major new project. But her bad experiences with previous funding companies made her skittish.

HAPPY DAYS

George, her UCS account exec, knew about Cindy’s bad experiences. So he went the extra mile to make sure this urgent care center was 1000% satisfied with the small business loan program UCS provided, as well as the service. He took the time to really understand how Cindy’s business works and her needs. He didn’t steer her toward the products that would make UCS the most money. Instead, George says that he “provided them with financing that would help their business really achieve all of the goals she outlined to me on our consultations.”

BOTTOM LINE

George got Cindy a business loan with as much funding as possible to meet the center’s business needs without hurting its cash flow to the point where it couldn’t comfortably run its business. Time was also an issue for Cindy, so George stayed on top of things to make sure underwriters were on the ball and pushed the file through.

George knew how important it was for Cindy to feel at ease and that George cared about her business. He explained that’s why he “held their hand throughout the entire process to solidify and show that I am not like the rest, and I have her company’s best interest at heart.”

WHAT SHE SAID

“After several contacts via other lending funds, I stumbled across this website on Google. I was reluctant to call, however, it was the best decision ever. George was a chip off the old block, with old-time business values and morals. He spent hours on the phone getting to know us what are exact needs, even steering us away from things that were not going to be valuable to our company. He worked to find the best fit and did not hesitate to call me each time to tell me of the perfect fit. I recommend George and United Capital explicitly.”

THE CLIENT

Dr. Gary Minkowitz, dental practice

THE OPPORTUNITY AND THE CHALLENGE

Every sort of medical practice faces similar cash flow challenges: slow third party payments for services long past rendered. Dr. Gary’s dental practice was entering a period of tight cash flow, so he needed quick funds to cover day-to-day operating expenses. He also wanted to take advantage of some practice downtime to buy new equipment and make some office improvements. Dr. Gary and George Rusinak, his UCS account exec, had been talking for some months before Dr. Gary needed business funding. The moment he did, Dr. Gary called George. Now, he needed the funding fast.

HAPPY DAYS

It took four hours from the time George received Dr. Gary’s paperwork for the money to get into Dr. Gary’s account. George worked his relationship with one of UCS’s underwriters to speed the process along. Of course, Dr. Gary helped things along by getting his paperwork in so quickly. George explains they “teamed together to provide his dental practice with a business loan in a few hours.”

BOTTOM LINE

Dr. Gary and George talk every month or so, just to touch base on how the dental practice is going. For all the UCS account execs, building personal relationships with their clients is paramount. Dr. Gary has confidence in how efficiently George operates, which is why UCS has gotten him funding multiple times since the first small business loan. George says, “I always look forward to hearing how his business is doing and how UCS is helping his business grow!”

WHAT HE SAID

“Working with George, I’ve never had such a fast, hassle-free approval in 30 years of business.”

THE CLIENT

Fontella W., Owner of a Retail Shop

THE OPPORTUNITY AND THE CHALLENGE

Fontella has a young retail shop that’s on the move. Barely a year old and demand was booming. Very exciting. Also very challenging for a new business to find the working capital to keep up with the demand. This was Fontella’s predicament.

She’d already worked with several finance companies and unfortunately was not given any approvals. Instead she got the runaround and was left in the dark with the results of her small business loan request. Fontella was skeptical. Bryan Rabanal, her UCS account executive, knew it would take time to gain her confidence.

As hesitant as she was, Fontella also had plans. She wanted to meet the demands of her business growth while building her business credit.

HAPPY DAYS

While most programs shy away from young businesses, Bryan was able to put a business funding package together for Fontella. He explains the extra effort he took to position her file in a way that gave banks the security they needed to verify all her numbers and to show the positive cash flow coming into her business.

“I provided her last 6 months of business bank statements to show a larger scope of business when I typically ask for the last three months. I also performed a bank verification via decision logic to get her transaction report, which provided the bank with the last 90 days of banking transactions up to the present day. So I was able to show that the business is trending upward in revenue.”

Once Bryan could show the steady upward trend of the small business’s revenue, the bank had no problem approving Fontella’s financing application.

BOTTOM LINE

Bryan was able to get past Fontella’s past negative experiences with alternative business finance lenders by taking his time to answer every question she needed answered. Bryan then reviewed the paperwork with her on the phone to give an idea of what he was going to do and the time frame she could expect.

“I was totally transparent on the details of her file. She was very communicative with her needs and her vision for moving forward. This future-oriented mindset is what we at United Capital Source love to see in business owners since we know that business is always changing.”

WHAT SHE SAID

“5 Star Service…I had a very pleasurable experience working with United Capital. My rep was Bryan, and he was amazing. Bryan was extremely professional, fast, and efficient. Before United, I had received the runaround from another company making the same promises, and after a long 3 weeks, they didn’t deliver. I received approval from United Capital within 48 hrs. I can’t say enough about Bryan’s professionalism. I highly recommend them and look forward to working with these guys in the future for my business needs.”

THE CLIENT

Greg Erbert, owner of a construction materials business

THE OPPORTUNITY AND THE CHALLENGE

Greg delivers clients their needed construction materials well before those clients pay for them. It’s a problem. But elongated accounts receivable cycles are how the construction industry works, so they have to work with a weak cash flow. They went looking for a bridge loan to cover payroll and other day to day operating expenses.

So, trying to find an advantageous small business loan program with a reliable lender was nothing new to this team. They’d worked with many business lenders in the past but had a negative experience with them. But this time, they weren’t just interested in a bridge loan, they also wanted extra working capital to buy the inventory to take new orders and continue growing their business.

Did I mention they were under a severe time crunch to get their working capital loan?

HAPPY DAYS

George Rusinak, their UCS account exec, walked them through the process every step of the way, answering their calls at 7:30 a.m. or 9 p.m., whenever they needed. George “made it my business to help them receive an extremely aggressive program in less than 5 hours upon receiving signed agreements.” He called the underwriters and was completely straightforward with Greg on what documents he needed to produce. All this moved their file quickly.

BOTTOM LINE

Greg got the small business loan on the time frame the business needed. They’re paying their employees and growing their business. George says, “Helping them get through their day to day cash flow issues and watching their business grow makes me feel like I truly was a key part of their business.” Providing small business owners with the best service and getting them the financing program they needed quickly created another long term customer.

WHAT HE SAID

“Excellent work. George was absolutely incredible throughout this process. He is very knowledgeable and highly motivated. When I made my initial contact, George thoroughly explained the process to me and everything happened exactly as he said it would. He continually sent me emails and made phone calls to keep me updated, and this was very much appreciated. I have done several loans for my clients, and this is by far the best experience with a lending institution I have ever experienced. I would recommend George and your company to everyone I know that is in need of a loan.”

THE CLIENT

Jim McGlashan, restaurant business owner

THE OPPORTUNITY AND THE CHALLENGE

Under the best of circumstances, running a restaurant is always a three-ring circus without the safety net. Reliable food deliveries. Reliable staff. And all in the just the right amounts so customers get properly serviced, but without wasting food or overstaffing. Any little thing can upset the balance. Like a broken freezer.

Jim had a freezer meltdown (so to speak) and needed a replacement fast before he started losing inventory and sales.

HAPPY DAYS

Jim spoke with UCS account exec Craig Gallo. Since time was the most critical variable, Craig stressed to Jim to get all the documentation in upfront so that he could have underwriting expedite the file for Jim to achieve the fastest funding time. Jim got his restaurant business loan in just a few days.

Craig says, “Being that I had worked in the restaurant and hospitality industry for several years before this, I knew what sort of dilemma Jim was going through and wanted to ensure that we could get him the funding needed to keep things running smoothly on his end.”

BOTTOM LINE

Major restaurant crisis averted. Both Jim and Craig felt the urgency and handled the application and business funding process efficiently. Fast, affordable financing was there when Jim needed it. His funds were put to use immediately by purchasing a new freezer and bettering his restaurant in other ways as well. Craig looks forward to helping Jim and other small business owners in the future, “There is nothing more satisfying than seeing a small business grow with the right help and guidance.”

WHAT HE SAID

“Great customer service. Craig Gallo was very easy to work with. He answered all my questions and concerns. Had me funded in a few days.”

THE CLIENT

Joe Dziurman, owner of a contracting and landscaping business

THE OPPORTUNITY AND THE CHALLENGE

Like so many small businesses in the construction/landscaping industry, Joe’s stone and landscaping company operates under very inconsistent cash flow. Contracts don’t get paid until the work is done, but Joe needs to pay workers as they do the work. This cycle often results in a cash squeeze. So Joe was already an experienced merchant familiar with the small business loan process when he called UCS.

Joe needed some extra working capital to cover the labor and materials costs for a new project. Unfortunately, he already had an outstanding small business loan that made getting additional funding difficult, especially on repayment terms that wouldn’t crush his business.

HAPPY DAYS

UCS, through account exec Bryan Rabanal, was able to get Joe an unsecured business loan to bridge the gap between pay periods. Many business lenders won’t take second position behind a pre-existing loan. Yet Bryan was able to offer Joe some different options. Bryan says, “I was transparent with all the costs, fees, and terms of the second position loan which is usually a program that provided a shorter term and less capital since 2nd position business loans are seen as a more risky proposition.”

BOTTOM LINE

But Bryan and Joe made it work. They clearly laid out exactly how much working capital Joe needed and what type of daily payments he’d be comfortable seeing. The pair established a very straight forward way of working together, aiming for the same goal. Joe has now done business multiple times with Bryan and UCS, and he actively keeps UCS involved with all of his business financing needs.

WHAT HE SAID

Bryan R. was phenomenal. Everything went very smoothly. Bryan worked every detail out and gave me simple options to choose a program.”

THE CLIENT

Keri-Lynn Siker, owner of a trucking distribution company

THE OPPORTUNITY AND THE CHALLENGE

A distribution company needs to distribute. This couple-owned, small distribution business operates with a single truck. Keeping that truck running is critical for their business, but engine trouble meant expensive motor repair bills.

Their past truck troubles had caused thin cash flow, which resulted in poor payment history. And this all adds up to a less than stellar credit rating. Without finding an alternative business funding source that could see this couple’s potential, not just their challenges, this business would have to shut down.

HAPPY DAYS

Our account executive Thomas was able to find the Sikers funding options. He said, “Most lenders need strong cash flow, but after working some numbers and shopping their scenario around to our network, I was able to work up an approval for this business—an opportunity for them to get some working capital while building positive payment history.”

It wasn’t easy, as these business owners didn’t meet most underwriting standards. Yet Thomas went the extra mile to get them approved with an exception from the underwriter, which UCS can often get because of the vast volume of quality funding volume UCS does. He explains, “The fact that they couldn’t get funding elsewhere had me motivated to find a program that would help them. Without help, they wouldn’t have been able to keep their truck up and running.”

BOTTOM LINE

The Sikers got approved for a Merchant Cash Advance, for more than they thought they’d ever qualify to get. They also got their money for an extended term, so they’re not bogged down by high repayments and constricted cash flow.

After having been turned down everywhere else, they were ecstatic and surprised that United capital Source was able to get them the funding they needed to keep their truck running and their business open.

WHAT SHE SAID

I had Thomas help me with a loan process. He was extremely helpful, attentive to my needs, supportive in my decisions, excellent customer service and very prompt with getting me answers to all of my questions. I would go through him again if I ever need another loan. I would give him 10 stars if I could!”

THE CLIENT

Mark Gonzalez, owner of a consulting firm

THE OPPORTUNITY AND THE CHALLENGE

Mark first contacted UCS just as he broke through the start-up stage of his business. It’s common for consulting firms to start with just a client or two drawn from their previous in-house experience. The challenge is turning that corner to expand beyond that. Mark had a comprehensive marketing and advertising plan to expand his business dramatically. He just needed the money to fund it.

But like so many relatively new businesses, his consulting firm had a limited financial track record. His UCS account exec Aaron explains, “Mark’s firm had little sales history, little vendor payment trade line history, and had no prior business financing we could look to gauge whether he’d be a good candidate to finance.”

HAPPY DAYS

Aaron and UCS were able to find Mark the working capital he needed to take his business to the next level. With this money to execute his marketing plan, Mark increased awareness about his business through social media ads and used professionally-produced video testimonials from his current clients.

His investment in marketing his firm paid off big, resulting in his subsequent rounds of business funding on better terms. Aaron says, “Over time Mark’s bank statements showed the significant growth that our financing helped him achieve. As a result, I was able to get him approved for an early renewal program quadruple that amount of his original financing amount. With him showing good payment history and such a drastic increase in revenues, we are continuing to qualify him for more working capital at cheaper rates.”

BOTTOM LINE

UCS has had the privilege of working with Mark from the earliest days of his business, helping him access capital to grow his business at a faster pace than he could have done on his own. Mark has come back to UCS multiple times when he needs funding for new initiatives. Aaron loves getting calls from Mark: “I always look forward to hearing how he reinvests profits back into his business to help grow and hire more employees.” said Gower.

WHAT HE SAID

United Capital Source gave my business a chance to grow when no one else would! I am on my 4th round of funding with United Capital Source. At first, it was just to survive as a small business. Now we have grown with their help. We do business throughout the United States and have workers in 4 countries. Our latest round of funding will be used 100% on marketing & advertising. Aaron Gower is my rep, and he is prompt, professional, and has exceptional follow-up skills! Thanks Aaron and United Capital!”

THE CLIENT

Mary Brocato, owner of a vaping lounge

THE OPPORTUNITY AND THE CHALLENGE

Mary had all the best kinds of problems for a young business. Her vapor lounge was less than a year old, but the business was growing fast. She needed money to buy enough ongoing inventory to keep up with the demand. Mary also wanted to invest in more marketing – to keep the buzz fires burning. However, as a young business whose owner had less than stellar personal credit, the banks weren’t interested.

That brought Mary to the alternative business finance market. She’d heard the myths, which made her skeptical and a little suspicious of the industry. Bryan Rabanal, her UCS account exec, felt her hesitation. “I understood that the first step was to build a rapport with Mary and to gain her trust. I could hear in our initial conversation how much she cared about her business and how important it was for her to make the right decisions and to align herself with resources, such as a direct business lender, to be able to continue growing.”

HAPPY DAYS

Bryan had several conversations with Mary to get a clear understanding of what she was trying to do. Speaking with her gave him some security that Mary was conscious and strategic with how she would make the working capital loan work for her business. With that confidence in Mary, Bryan was able to get a few exceptions for her that she needed due to the age of the business and credit history. Because Bryan positioned her file well and could show that business was growing at a fast pace, Mary got her needed working capital.

BOTTOM LINE

Mary and her business are reaping the benefits from this first financing program. Success with the source! Bryan is certain she’ll start building a strong payment history. He knows that will only help her get future financing on better terms. He explains, “With some positive payment experience, I can graduate her into a more premium program that offers longer terms and higher amounts of capital along with lower rates.”

WHAT SHE SAID

Bryan truly earned my business. He followed up on conversations and made sure that all of my questions were answered throughout the process of getting our funding. Thanks Bryan!”

THE CLIENT

Matthew C., owner of an electrical contracting company

THE OPPORTUNITY AND THE CHALLENGE

Matthew had a time-sensitive opportunity. A new job required him to lay out funds for parts and labor upfront. Like most construction subcontractors, he received payments for completed jobs on a net 30 basis. That put him in a bit of a cash flow squeeze. It also meant that he wouldn’t be seeing any revenue from this job for at least a couple of months.

Matthew needed a small business loan of $15,000 to avoid paying out of pocket for the materials and labor costs this new job demanded. He needed it fast to make good on this job and take care of his workers. He also needed it on payment terms that wouldn’t mess with his ongoing cash flow or make his bookkeeper crazy.

HAPPY DAYS

Matthew got everything started great from his first phone call. He spoke with Jake, one of our account executives. Jake says, “On our first phone call, Matthew was very forthright and honest with me. He explained to me what he needed for his business, and right away, I knew we were a good outlet.”

Even better – Matthew came prepared. According to Jake, Matthew “provided all documents needed upfront, which gave me the ability to expedite the process for him.” Underwriting can sometimes take up to 24 hours to complete. But in Matthew’s case, he was already accessing the money from his unsecured business loan within 24 hours of the first call to UCS.

Not only was Matthew quickly approved for the full $15,000 he requested, but he also got a weekly repayment plan that worked for his business. Jake also set Matthew up with some pre-payment discounts that would save him money on interest if he paid back the business loan before the specified term.

BOTTOM LINE

Matthew got the money he needed to service this new job and keep his people paid, and on terms that support his business. Our process worked so well in helping Matthew protect his cash flow while moving his business forward that he’s ready to use UCS again next time he needs to pay for materials and labor upfront.

Jake explains, “When I got back to Matthew with the amazing news that his business was approved for the amount requested, I could hear how excited and happy he was to finally start building a relationship with an unsecured financing company. He just recently reached out to me, letting me know of an upcoming job and that he will be contacting me soon to fund his next inventory purchase.”

WHAT HE SAID

“I worked with Jake Canino. He was great to work with. Cared about my time, easy to talk to and took care of business FAST!Talked to Jake in the morning and the deal was done just a few hours later. I will definitely be calling him again and would highly recommend UCS. Thanks Jake!”

THE CLIENT

Richard Sitts, owner of concrete & remodeling company

THE OPPORTUNITY AND THE CHALLENGE

The best young businesses have a lot of opportunity, but are often short on cash. When Richard started his concrete and remodeling business, it was no different. He initially needed short term business funding to get trucks and equipment so he could expand his company’s workload. A short operating history and credit worthiness were Richard’s early obstacles.

As Richard’s construction business has grown, he’s experienced the typical cash flow challenges construction contractors experience, due to the long receivables cycles. So his main funding need now is finding working capital for day-to-day operating expenses, like materials and labor.

HAPPY DAYS

Despite having a short operating history and less than stellar credit, UCS account exec Danielle Rivelli was able to start Richard off with a small funding amount. That was in 2014. Richard has completed five more working capital loans with Danielle, each one larger – but with more advantageous terms – than the last.With each round of funding, Richard built up a strong payment history, which improved his credit. He was also able to grow his business to the point it was no longer a “new” business, but had a reliable, established operating history.

Danielle credits Richard’s upfront and honest approach to being able to use small business loan financing wisely and well. She says, “Straightforward relationships always work out the best in the business world because trust and time are important in getting a business financing program done the right way so that it actually helps the business rather than hinder it.”

BOTTOM LINE

Richard’s most recent small business loan package was for $150,000. Enough to invest in even more equipment to finance his construction company’s newest expansion. Danielle explains she “takes a lot of pride in helping his business from its very early stages from where they only qualified for a smaller loan amount to be qualified for a six figure business loan. This makes me happy about what I do: help American small business grow and succeed!”

WHAT HE SAID

Danielle was very helpful finding short term cash flow business lending for my business in the construction field. To this day we still work together with business lending, she is always very fast and efficient in finding the best rates and terms for loans. I would highly recommend Danielle and United Capital for your business needs.”

THE CLIENT

Ron Tootle, owner of a butcher shop

THE OPPORTUNITY AND THE CHALLENGE

There’s no sugar-coating it. Ron was in a bad spot. His butcher shop was facing multiple overdrafts and negative balances in his bank statements. These are the sorts of issues that make underwriters nervous, making it extremely hard to get working capital loans because it sends the message there’s a low chance of getting paid back.

But Ron needed funding to cover his day-to-day cash flow and provide working capital for future projects.

HAPPY DAYS

With some patience on Ron’s part and creative thinking from Craig Gallo, his UCS account executive, Ron got his funding and kept his business open. “I helped the shop switch its credit card processing company,” said Craig, “to one where we could implement split processing to get around the negative bank statement balances. In doing so, I was able to save them on their monthly processing fees as well helping to free up additional cash flow.”

Now that funders saw Ron could show a solid, reliable method of repaying the funding, he had options.

BOTTOM LINE

Craig understands that when a small business owner like Ron calls him, it’s never just about the money. “I’m always looking to resolve an issue that will help benefit the business by helping them obtain capital needed to get to that next level.”

Since this first experience with UCS, Ron has returned for additional funding to expand his business. And every time, Craig says he does “everything in my power to make sure Ron gets what he needs.”

WHAT HE SAID

Great Service. We had nothing but a great experience working with United Capital Source. Craig and his associates have been wonderful to work with.”

THE CLIENT

Sarah Moosvi, Owner of a Digital Marketing Company

THE OPPORTUNITY AND THE CHALLENGE

Like so many service firms, Sarah carried a lot of outstanding account receivables every month. Clients often don’t pay on schedule, which was forcing Sarah to dip into her savings. Not what she – or any small business owner – wants to do. She needed the working capital to bridge the gap between revenue deposits so she could stay out of her savings account while keeping up with her customers’ demands.

Between current clients, staff, and meeting new potential clients, Sarah’s schedule was unpredictable. She is constantly moving between meetings and phone calls, which limits her availability to talk with Bryan Rabanal, her UCS account executive.

HAPPY DAYS

Despite Sarah’s hectic schedule, Bryan was able to secure her funding within 2 days. Bryan saw that to move quickly and efficiently on Sarah’s file, he was going to have to prevent her schedule from becoming an obstacle.

“I made sure to get all the information I needed upfront so I wouldn’t need to go back and forth with Sarah knowing that she is unavailable at times. Through text, email or phone we completed her file, got approved for a working capital program, and presented all closing stipulations needed to deposit working capital in her checking account.”

BOTTOM LINE

Sarah’s schedule is what’s expected of a small business owner today. She needs to serve the clients of her growing business, all while setting up sustainable business operations. Bryan says, “She’s projected to double her gross monthly revenue in the coming months. Her plan is to establish payment history and renew half way through the program when she is eligible for additional working capital at better rates and terms.”

Bryan will be there to help her when she’s ready.

WHAT SHE SAID

“Fantastic! Going for funding is usually nothing but a headache, but United Capital Source made it a breeze. My account manager was incredibly accessible and made sure the loan application process moved forward, even when my attention got pulled in other directions.”

THE CLIENT

Steve Currie, owner of child daycare and learning academy

THE OPPORTUNITY AND THE CHALLENGE

Steve’s an experienced small business owner who’s seen it all before. His experiences with business lenders prior to contacting UCS were uniformly bad. No reason given for a denial. No follow up or communication back to him. The worst? Astronomical hidden fees.

But Steve stayed persistent. What successful small business does otherwise? He was carrying a high balance with his current lender and wanted to connect to a small business lender with a renewal program that offered increasingly advantageous terms as they built a long term relationship..

HAPPY DAYS

Aaron Gower, a UCS account exec, started working with Steve, helping him close out his relationship with the last lender, who was giving Steve the runaround instead of providing him with his loan payoff letter. Through much persistence of his own, Aaron was able to get Steve his payoff letter so they could start to look forward. Aaron explains his approach, “We had to be a team on this one every step of the way to foresee any issues and navigate the process to be successful in getting him a program that was acceptable to him and his business.”

Steve and Aaron reviewed every detail: credit score, status of current paperwork, reasons Steve had been denied funding in the past – everything. Using this information and his industry expertise, Aaron put together a plan that got Steve multiple funding offers for his business.

BOTTOM LINE

Aaron knew “The biggest barrier I had to overcome was getting Steve to trust that we can help him.” Aaron set about earning Steve’s trust by walking through all the details of Steve’s current situation, as well as reviewing every funding update, good or bad, to discuss the best way to move forward

Now Steve is on the path to building a long-term, trusting relationship with a business lender, which only means easier, less costly access to working capital loans to invest in his business.

WHAT HE SAID

“Very well, they are concerned and work to get the best funding for your company.”

HE CLIENT

Thomas Doherty, Owner of Recycling Center

THE OPPORTUNITY AND THE CHALLENGE

Thomas was ready to ramp up his business. He had a marketing plan laid out to promote some new services he was going to start offering. And then – as always – the unexpected happened. Some unexpected overhead costs popped up.Something had to give.

Thomas was very hesitant at first to get on board with an unsecured business loan program because the concept was new to him. He’d hoped to get both the additional overhead and his marketing campaign costs covered. He was dismayed to see the funding offers coming in were low and had shorter-term payback periods than expected.

HAPPY DAYS

Craig Gallo, Thomas’s USC account executive, helped him understand how much he would be eligible for based on his gross sales. But Craig did more than explain how small business loan underwriting works. He spent time listening to Thomas to learn about the intricacies of the recycling business. Craig shares how important this step was also for “building Thomas’s trust and helping us get to know each other. That helped me identify which available options were best for him and how to help him understand them.”

This mutual learning process enabled Craig to suggest how Thomas could allocate the currently available funds properly towards the business so that he could pay off the bills he had while allocating some of those funds to generate new sales.

BOTTOM LINE

“We were able to work up a program that helped Thomas at the time and brought him back for several more subsequent rounds of funding,” says Craig. “I always like to hear how the business has expanded since the last business loan and to see where he is going next with it. I feel like an important part of his business since we’ve done business multiple times.”

WHAT HE SAID

Fast, courteous, and eager to help in any situation! Sometimes owning a small business makes it hard to ask for financial help because (you as an owner think you screwed up). Not so!! Thanks for getting me the funds I needed and being respectful of my financial situation!

THE CLIENT

Tom Grant, owner of pet goods specialty store

THE OPPORTUNITY AND THE CHALLENGE

Tom knows his business backwards and forwards. He’s an experienced small business owner who’s worked with several different business lenders in the past. He wanted to invest in a marketing and advertising program to expand his customer base and buy the inventory to meet this increased demand. So he was ready to shop around for his financing.

Tom had a good history, so getting his business qualified for another small business loan wasn’t going to be the challenge. The challenge would be fighting off unscrupulous business lenders that promised the world and couldn’t deliver. His UCS account exec, George Rusinak, said, “I had a ton of competition. I knew I had to be at my best to get Tom to trust me, move forward and get him the best program he’s ever gotten.”

HAPPY DAYS

When George and Tom started talking, George asked Tom detailed questions about his business, expectations and assured him he was in the best hands and would find him the best program the first time around. George knew that most brokers would shop Tom’s file around to where they would make the most commission. In contrast, George brought Tom a range of finance options that met Tom’s needs, so Tom could select the program that best suited him.

BOTTOM LINE

Alternative business lending is a highly competitive industry. “Tom knew I had his best interests at heart and was looking to create a long term business relationship,” George said, so he worked hard to get Tom’s confidence and mold a long term relationship. They continue to email from time to time to check-in and say hello, and George looks forward to being a key piece in Tom’s company’s growth for many years to come.

WHAT HE SAID

“Is George Rusinak really the BEST? My experience puts this answer as probably yes. He probably is actually the best in the entire industry when it comes to making something how you need it actually happen and come through. I have substantial client experience in this lending industry. And wow! Did George come through for me and my company. On this most recent lending request, I had many, many others working on my needs. And, boom, outta the gate ONLY GEORGE made it happen, and he did it fast prompt, and he had numerous offers and options. He told me directly he was ‘the best’ and I would be ‘working with him for many, many more years to come.’

“And I will. He is right. George knows what he is talking about. It is because he knows what he is doing. I trust George to not only make things happen, I trust him to balance both my needs and the lenders. This is important, it is realistic. He balances the borrower and lender relationship exceptionally well. This is a serious value, getting a sense of partnering when you have financial needs. George’s representation is a crucial component of the negotiating and eventual terms agreement.

“I am 10 stars out of 5 when it comes to George Rusinak. What more positive can I say? I will say it!! He is The Best!!

THE CLIENT

Tony Minshall, owner of a sewer & drain service business

THE OPPORTUNITY AND THE CHALLENGE

The construction and contracting business has been getting its groove back, which is making the field more competitive. Tony wanted to expand his business with a new, aggressive marketing and advertising campaign. That costs money. The money he couldn’t take away from his operating expenses. He was making payments on earlier small business loans to cover the day-to-day, but wasn’t quite far along enough to qualify for a renewal.

Tony needed extra funding for his business without adding to his repayment burden or risking his working capital.

HAPPY DAYS

Even though he technically wasn’t yet eligible for a business loan renewal discount, since he hadn’t made enough payments, UCS account exec Aaron Gower got him approved through an early renewal program for double the amount of his original financing amount.

With the new business loan, Tony paid off the outstanding loan and got the extra cash for his marketing campaign. Without having Tony borrow more than his business needed or could afford, Aaron got Tony enough cash to protect his operations while investing in business expansion.

The renewal small business loan program also came at a lower effective rate than his earlier business loan. The new business loan had a repayment term 30% longer, which kept Tony’s daily payments smaller and easier to manage.

BOTTOM LINE

Aaron describes working with Tony as a “smart business owner who knows the ebbs and flows of his business. Working with someone who understands the nature of their industry always makes things easier for us. We shared a mutual respect for each other’s work ethic and attention to detail.”

Knowing Tony’s business and working with him for the past couple of years helpedAaron put together a business loan program that suited Tony’s particular circumstances. Smart structuring of the new loan program let Tony get the other business loan off his books, protect his cash flow by lowering his repayments, and fund his marketing initiatives. Not a bad day’s business for anyone.

WHAT HE SAID

“Words can’t express how much this company has helped with my capital needs for business. I would recommend them to anybody that is trying to run a business today with the banks and their limitations today. You’re a big help, thank you so much.”

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