Fast and Easy Funding for Your Business

Universal Funding turns your unpaid invoices into cash through invoice factoring. Apply online in minutes and get the working capital you need to grow your business.

GET FUNDING FAST

Fast Cash

Funding within 24 hours of approval

Competitive Rates

Rates start as low as 0.55%

Fast and Easy Approval Process

Our one-page application
is simple and quick

Funding That Grows With You

Invoice credit line from $25,000
to $20,000,000

Get Back to Business

We manage the entire invoicing and
collections process for you

What is
invoice factoring?

Invoice factoring is a form of business financing that companies utilize to gain immediate access to working capital. Also known as accounts receivable financing, invoice factoring enables businesses to quickly obtain a steady cash flow, which in turn allows them to meet various expenses crucial for business expansion, such as payroll, rent, equipment, and other costs.

Don’t allow slow-paying clients to hinder your progress any longer. With Universal Funding’s fast and straightforward online application process, you can convert your unpaid invoices into the working capital necessary to fuel the growth of your business.

GET FUNDING FAST

Building trust — one business at a time.

Best Factoring Company of 2021

+$2 Billion Funded for Company Growth

3500+ Satisfied Clients

A+ Rating Better Business Bureau

Trustpilot

Our company has tripled in growth since we became partners with Universal Funding and we anticipate doing business with Universal for many years to come.

-Chris, All Pro Security
See What Our Customers Say

Why invoice factoring works

Compare to Line Of Credit

Traditional Bank Line of Credit

$20,000-$500,000

  • Advance Rate: 85-90%
  • First 30 Days: 2-4%
  • Requires access to accounting software and bank account for approval

Universal Funding Corporation

Invoice Factoring
Monthly Volume

$25K- $20M/mo

  • Advance Rate: Up to 95%
  • First 30 Days: 0.55-2%
  • Does not require access to your private banking and accounting information

Compare to Merchant Cash Advance

MCA Providers

$1,000-$500,000

  • Advance Rate: Based on loan amount
  • Fixed fee rate: 35-50%
  • Requires access to bank account for daily withdrawals
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Happy Thanksgiving from Universal Funding. Autumn background with various pumpkins, gourds and falling leaves on rustic dark table

A Heartfelt Thanksgiving Message

As Thanksgiving approaches, we take a moment to reflect on the profound gratitude we feel for our exceptional clients, friends, and business associates. In observance of the holiday, Universal Funding will be closed November 28-29 We will resume normal business hours on Monday, December 2.
Read More A Heartfelt Thanksgiving Message

How Invoice Factoring Supports Businesses with Limited Credit

Many small businesses face cash flow challenges, especially those with limited credit. Invoice factoring can be a game changer for these companies. This financial solution offers immediate cash flow by converting unpaid invoices into cash. In this article, we will delve into how invoice factoring works and its many benefits for businesses struggling with limited credit.
Read More How Invoice Factoring Supports Businesses with Limited Credit

Essential Steps to Establish and Build Business Credit

Separating personal and business finances is essential for sustainable growth and financial security. Establishing a solid business credit profile empowers entrepreneurs to unlock various financing opportunities while protecting their personal assets. This article explores effective strategies for building business credit and innovative options like accounts receivable financing that allow you to secure funding without incurring debt.
Read More Essential Steps to Establish and Build Business Credit

Effective Strategies for Achieving Financial Strength

Achieving financial strength is crucial for any small business seeking sustainable growth and stability. This article unveils practical strategies, including cash flow optimization, revenue diversification, and the use of alternative financing options like accounts receivable financing. By adopting these techniques, businesses can build resilience and effectively navigate economic challenges while seizing new opportunities.
Read More Effective Strategies for Achieving Financial Strength

10 Strategies for Improving Financial Flexibility

Financial flexibility is essential for any business looking to thrive in today’s competitive market. In this article, we will discuss effective methods for enhancing financial flexibility and ensuring long-term stability. By implementing strategies such as building a strong cash reserve and diversifying revenue streams, companies can better position themselves to handle unexpected challenges and seize growth opportunities.
Read More 10 Strategies for Improving Financial Flexibility

Turn unpaid invoices into cash

Don’t wait 30, 60 or 90 days for customers to pay. Get an advance on your outstanding
invoices with invoice factoring.

GET FUNDING FAST