Get Capital Even Faster
Universal offers creative factoring capital options to businesses who have gross sales from $1 to $10,000,000 or more per month, depending on a company’s needs. We are known as being easy to work with while providing exceptional personalized service, 24/7, 365 days a year. We make business capital and factoring an exciting opportunity for you and your company.

Acquire Capital When You Need It
We provide factoring capital for a wide range of business types. Our Vice President, Deron Nicholson says, “If you have invoices, we can provide you with capital in as little as 2 hours.” Having some of the best experts in the industry, we love to assist businesses in obtaining capital (with a line of capital or some type of factoring) to fix cash flow and allow for more opportunities to make profit. We create capital that can be accessible within hours.

Within 2 minutes we can give you an accurate estimate of your rate and the amount of factoring capital available to you, over the phone, while being careful not to run your credit when you initially contact us.

No-Wait Cash Services
Striving to be the best factoring firm available, we offer a 2-hour funding program which has become a new standard for our company.

Funding Without Limits
One reason we help so many businesses is our no-maximum factoring policy. If you want more capital from our company, all you need to do is ask. It's that simple.

Customer Support 24/7
Our customers know we strive to perform well for their funding needs. We consider our customers to be our most valuable assets, which is why we treat every business with extreme respect coupled with outstanding customer support.

Factoring Lines of Capital / Invoice Factoring
Our factoring line of capital or invoice factoring is a good way to obtain a capital infusion when your company needs money. We are able to help by giving you an instant advance, all you need to have is accounts receivable. We remove your worry of waiting for overdue invoices to pay from your business.

Factoring helps protect your firm from needing to write off bad debt. Our services also reduce the time and money that your company would normally spend on chasing overdue invoices.

Super-Low 1% Rates
Many businesses are yet to attain the dream of low-cost, unlimited, low-rate capital until they meet us. Our low rates allow you to do more things with your business. We also pride ourselves in providing businesses like yours with the ability to obtain cash flow and capital without any monthly payments. Call for more information.

We consider ourselves one of the most competitive and willing-to-help factoring companies available. We help you by increasing your profit potential (through business investment, expansion and new client acquisition). Factoring removes cash flow stress from your business and life.

Our Mission
Our primary mission is to get you approved and funds wired into your bank account as quickly as possible from your initial phone call to us. This can take place in less than 2 hours (especially once you become a client). The days of waiting for your clients to pay you or for you to have enough capital in order to facilitate more profit in your life are over.

Flexible Lines of Capital
Enticingly creative and flexible lines of capital keep your company rolling and make your company stronger by eliminating the low times in your sales or existing cash flow. Our factoring program is your hedge of protection against recessionary pressure.

Forget Payments
Forget about monthly payments with our form of capital. Why worry about ever increasing payments that never seem to get paid off? For those who worry about such things we have a unique form of business capital that uses your clients (i.e., your invoices) to back up your line of capital. This is a very simple and a very old way of providing a high amount of capital at a very low rate.

Forget Debt
Guess what? Our capital does not create debt for you. Which is why our clients don't have any payments to make to us. And of course, you never lose any control of your business. Have we inspired you to call and ask questions? Don't fall into temptation using your credit card (plasti-debt) if you can use a form of business capital that does not cause you to fall into what can seem like an endless pit which seems impossible to climb out of.

Collection Services Provided
As part of our service, we offer collections for your clients. It's all part of how our factoring capital works for you. The benefits of our form of business capital are endless.

We have an entire department devoted to (polite) collections. Using our services means you won't have to worry about your clients not making payment on time or several months behind schedule. We are experts at taking care of this for you.

Credit Management
With free, on-demand credit reports, provided for you anytime you need them, we provide you with plenty of tools to help you run your business.

Quiet and Professional
One of the best features we offer is our confidentiality. Call for details.