Fast, straightforward business funding — $10K to $2M, with options as fast as the same business day.
Real people, honest options, and a process built around your business — not a rigid checklist.
What do you need funds for?
Start your application
Takes a few minutes. No obligation.
How much funding do you need?
Enter an amount between $5K and $5M.
Why businesses work with UCF
A decade-plus of business-financing experience
Relationships with multiple funding sources
Real specialists who answer the phone
Genuinely bilingual support
$500M+
in funding deployed
10,000+
businesses funded
10+ years
in business financing
4.8/5
average client rating
Funding that grows with your business
As your revenue grows, your funding options grow with it. We start with what your business earns today and structure financing that flexes with your cash flow — not against it.
Common funding frustrations, solved
Banks and online lenders make it hard. We do it differently.
Funding built for how you actually use it
Eight ways to fund your business — matched to your needs, not a one-size-fits-all loan.
Revenue-Based Financing
Capital repaid as a share of ongoing sales — flexes with revenue.
Healthcare Lending
Funding built for medical, dental and wellness practices.
Asset-Based Lending
Borrow against inventory, receivables or equipment.
Equipment Financing
Get equipment now, pay over time.
Invoice Factoring
Turn unpaid invoices into cash today.
Merchant Processing
Card processing paired with funding built around daily sales.
Debt Consolidation
Roll multiple positions into one manageable payment when it makes sense.
Receivables Financing
Funding based on money customers already owe you.
Businesses we fund
From boutique shops to auto repair — we understand your industry.
Retail
Auto
Healthcare
Trucking
Salons
Construction
E-commerce
ManufacturingRetailAutoHealthcareTruckingSalonsConstructionE-commerceManufacturingThree simple steps
Apply
A few minutes
Tell us about your business and upload your recent bank statements.
Review your options
Same business day
A specialist reviews your file and presents realistic options.
Get funded
1–3 business days after approval
Once approved and documents are signed, funds are sent to your account.
Once we have your completed application and recent bank statements, we can typically review your options the same business day. Final approval and funding depend on underwriting, verification, any existing obligations, and signed documents — most qualified businesses complete the process within 1–3 business days.
Talk to a real specialist
No call centers, no bots. Just a person who knows your file and your options.
From business owners like you
"When our walk-in cooler died mid-summer, UCF moved fast. A real person called me the same day and we had options on the table by the next morning."
Maria Gonzalez
El Sabor Restaurant
"I'd been turned down by two banks before. UCF looked at my actual revenue, not just a credit score, and found a structure that worked. No pressure, just straight answers."
James Carter
Carter Auto Repair
"Expanding to a second location felt overwhelming until I spoke with UCF. They understood healthcare financing and walked me through every number before I signed anything."
Dr. Aisha Patel
Brightsmile Dental
Frequently asked questions
Options can be reviewed as fast as the same business day. After approval and signed documents, most qualified businesses are funded within 1–3 business days.