An Extra Benefit of Invoice Factoring

In addition to the obvious benefits of fast, reliable cash, more profits and reduced expenses that invoice factoring creates, there’s another important benefit that factoring offers:

Credit screening of your customers.

Perhaps the most important component of a factoring transaction is the credit quality of your invoices. This is critical because your factoring company uses those invoices as security for the transaction. Because of this, your customers should have good commercial credit scores.

Most businesses, though, never bother to check their customer’s credit. When you work with Universal Funding, we do it for you. That’s a major benefit to you because it allows you to leverage the credit worthiness of your customers to your advantage.

If the credit check on a potential new customer comes back as high-risk, you have the opportunity to not accept the new business, or modify the terms, and minimize the risk of losing money on them. On the other hand, a commercial credit check could show a long history of paying on time and in full, which obviously would be welcome news.

Even better, these credit checks are an included part of your factoring agreement when you factor with Universal Funding. Most of us have years of experience in reading and interpreting these credit reports and do so on a daily basis. That makes working with Universal Funding like having your own credit-analysis department!

Our ultimate goal is to see your business grow. That’s why we offer some of the lowest rates in the industry, gladly help resolve tax issues, provide credit reports on your potential customers and work our tails off to make sure you get funds when you need them. Whether your company is facing new challenges or new opportunities, we are here to help.

-Travis Griffith


Press Releases

Growing Companies Get Financing from Factoring Company

Universal Funding Corporation releases early numbers for new clients served in the first quarter of 2016. Highlights include: $12 million factoring facility for a distributor in New Jersey $2.4 million factoring facility for a car service in Arizona $1.2 million... read more

Universal Funding Corporation Grew by 14.5% in 2015

Universal Funding Corporation served a total of 130 clients in 2015 by funding over 63,000 invoices that totaled over $164,000,000. This is an increase of 14.5% for total amount financed, as compared to 2014. Highlights include:$3.8 million to a California-based... read more


Busting 5 Of The Biggest Invoice Factoring Myths

Although invoice factoring has been around for centuries and is being used by savvy businesses, there are still quite a few myths that make this business financing method misunderstood.  Here are the top 5 myths that we hear about at Universal Funding. Myth One:... read more

Spring Cleaning Your Business in 4 Easy Steps

As spring approaches and Q1 closes out, now is the perfect time to put some thought to sprucing up your 2016 business strategy by giving it a good spring-cleaning. Just like deep-cleaning your home once a year in the spring, giving your business strategy the once over... read more

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Spokane, WA 99213


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