Maximize business growth opportunities with the working capital you need.

United Financial understands that your business needs capital to expand — without the hassle of dealing with traditional banking institutions. We offer a personalized approach to getting you capital quickly, when you need it the most.

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How It works

Access the Capital Your Business Needs, When You Need ItEver felt like your business could achieve more with a little extra cash flow? That's where a merchant cash advance comes in. It's a straightforward way for businesses to get quick access to the funds they need, based on future credit card sales or other incoming revenue. Here's how it works: You receive a lump sum upfront, and in return, you agree to pay back a portion of your future revenue at a discounted rate. This means you can tailor your repayments to match your business's sales cycles, making it a flexible and convenient option.To qualify, your business simply needs to accept credit card payments or have other types of incoming revenue. At United Finance, we've made the application process fast and easy. You can complete it online in just a few minutes, and we offer merchant cash advance amounts starting from $5,000 up to $500,000. It's our way of helping businesses like yours reach their full potential, without the hassle.

We Specialize In

FUNDING FOR SMALL BUSINESSES

LINES OF CREDIT

INVOICE FACTORING

SMALL TERM LOANS

EQUIPTMENT FINANCING

WORKING CAPITAL

MERCHANT PROCESSING

EQUITY LOANS

BRIDGE LOANS

CONSTRUCTION LOANS

LET’S GET YOU FUNDED

FAST FUNDING BUSINESS SOLUTIONS TO MEET YOUR NEEDS

Seize the opportunity for growth with United Finance. Apply now to explore our range of funding programs and secure the capital that suits your business best.

Our Mission

With over 20 years of combined experience, United Finance USA is committed to providing tailored financial solutions to fuel your business's growth. Our mission is to empower businesses like yours by offering flexible loan options designed to meet your unique needs and aspirations.Our team is committed to providing significant support in accessing the funds your business needs to succeed. We listen attentively to your goals and challenges to create tailored loan packages that align perfectly with your objectives. At United Finance USA, we prioritize the needs of our clients, treating them like family and ensuring their satisfaction is always our top priority.Our mission is to continue to help businesses reach their ultimate goal… which is to STAY IN BUSINESS!

FAQ

What is working capital, and why is it important for businesses?

Working capital is the difference between a company's assets and liabilities, representing the funds available for day-to-day operations. It's crucial for some businesses as it ensures they have enough liquidity to cover short-term expenses, such as payroll, inventory purchases, and operating costs.

What are the benefits of having sufficient working capital?

Sufficient working capital allows businesses to operate smoothly, seize growth opportunities, respond to market changes quickly, avoid disruptions in production or services, negotiate better terms with suppliers, and maintain financial stability during economic downturns.

Can I use working capital financing to consolidate existing debts?

Yes, working capital financing can be used to consolidate existing debts, such as high-interest loans or credit card balances, into a single, more manageable payment with potentially lower interest rates. This can help streamline your finances and improve cash flow.

What sets United Finance USA apart from other working capital lenders?

At United Finance, we differentiate ourselves through our personalized approach, industry expertise, and commitment to client satisfaction. Our team takes the time to understand your business's unique needs and goals, crafting customized loan solutions tailored to your specific requirements. With over 20 years of combined experience, we have the knowledge and resources to help your business succeed.

Can I access working capital financing without affecting my credit score?

Certain types of financing, such as merchant cash advances or invoice financing, may not require a traditional credit check and therefore won't impact your credit score directly. However, keep in mind that other factors, such as your business's financial performance and repayment ability, may still influence the approval process.

How do businesses use working capital?

Businesses use working capital to fund various operational needs, including paying suppliers, covering employee salaries, managing overhead expenses, investing in growth opportunities, and handling unexpected expenses or emergencies.

How long does it take to receive working capital funding?

The time to receive working capital funding varies on the type of financing. We offer quick funding options with same-day or next-day approval and funding, while others may have longer processing times.

What is the typical repayment period for working capital financing?

It can range from a few months to several years, with shorter repayment periods for short-term financing options like merchant cash advances and longer periods for traditional term loans.