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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Alleviate Tax Pressures with Invoice Factoring

Navigating tax season can be challenging for many businesses. The pressure to meet tax obligations often strains working capital. Fortunately, invoice factoring offers a smart solution to ease this burden. By turning unpaid invoices into immediate cash, businesses can improve their cash flow. In this article, we’ll explore how invoice factoring can help alleviate your tax worries and maintain financial stability.
Read More Alleviate Tax Pressures with Invoice Factoring
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Tips for Managing Customer Invoice Disputes

Managing customer invoice disputes effectively is essential for maintaining a healthy business. Disputes can cause cash flow issues and damage customer relationships. Understanding common causes and implementing clear invoice templates can help prevent misunderstandings. In this article, we will explore practical tips to handle invoice disputes with confidence. We will also discuss the importance of proactive communication and ways to leverage invoice factoring as a solution.
Read More Tips for Managing Customer Invoice Disputes
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Understanding Net Working Capital: Importance, Calculation, and Strategies

Net working capital is a crucial financial metric for small business owners. It indicates your short-term financial health and liquidity. Understanding how to calculate and manage net working capital can unlock growth opportunities. This metric reveals how effectively you use your resources. In this article, we will explore the working capital formula and the significance of net working capital. We will also discuss strategies to optimize it for sustained success.
Read More Understanding Net Working Capital: Importance, Calculation, and Strategies
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Challenges Faced During Rapid Business Growth Phases

Rapid business growth is an exciting journey for any entrepreneur. It brings opportunities and increased revenues. However, it also introduces a range of challenges that can threaten financial health. Cash flow management becomes critical during these phases. As expenses rise, maintaining financial stability is paramount for long-term success. In this article, we will explore the key challenges businesses face during rapid growth and how to effectively tackle them.
Read More Challenges Faced During Rapid Business Growth Phases
Illustration symbolizing financial growth, successful investment to enhance cash flow.

Enhance Your Cash Flow with Accounts Receivable Factoring

Accounts receivable factoring is a vital financial tool for small and medium-sized businesses. It enables companies to convert outstanding invoices into immediate cash. This process significantly enhances cash flow, helping businesses manage daily operations and seize growth opportunities. In this article, we will explore the mechanics and benefits of invoice factoring for SMBs and why it is a strategic choice for improving financial health.
Read More Enhance Your Cash Flow with Accounts Receivable Factoring
Red falling arrow tearing dollar coin, financial market crisis and cash flow crunch concept.

Signs Your Business Might Be Facing a Cash Flow Crunch

Effective cash flow management ensures your business can meet your obligations and invest for growth. However, many businesses face cash flow problems without realizing it until it’s too late. Identifying the signs of a cash flow crunch early can make a significant difference. In this article, we’ll discuss the common indicators of cash flow issues. We’ll also explore strategies to help you maintain financial stability and avoid potential pitfalls.
Read More Signs Your Business Might Be Facing a Cash Flow Crunch

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