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.

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 type of business financing used by companies to get immediate access to working capital. Also called accounts receivable financing, invoice factoring allows businesses to swiftly acquire reliable cash flow, enabling them to meet various expenses such as payroll, rent, equipment and other costs essential for business expansion.

Don’t let slow-paying clients hold you back any longer. With Universal Funding’s quick and easy online application process, you can transform your unpaid invoices into the working capital you need to grow your business.

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

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

Why invoice factoring works

Compare to Line Of Credit

Credit Line


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

Universal Funding Corporation

Credit Line

$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

Credit Line


  • Advance Rate: Based on loan amount
  • Fixed loan fee rate: 35-50%
  • Requires access to bank account for daily withdrawals
Business team collaboration discussing working analyzing with financial data and marketing growth report graph in team, presentation and brainstorming to strategy planning making profit of company.

How to Generate Ongoing Working Capital for Your Business

Having sufficient working capital is crucial for the long-term viability and success of a business. Without it, a company may struggle to meet its day-to-day operating expenses, pay its suppliers and employees on time, or take advantage of growth opportunities. By securing working capital financing through options such as invoice factoring or sales growth, businesses can better manage their cash flow and ensure that they have the funds necessary to sustain and grow their operations.
Read More How to Generate Ongoing Working Capital for Your Business

Enhancing Cash Flow with Efficient Accounts Receivable Tracking

Efficient Accounts Receivable tracking isn’t just about monitoring payments; it’s a strategic move that ensures timely payments, identifies payment trends, and addresses potential issues affecting your cash flow. Learn why AR tracking matters, how to do it effectively, and how it can enhance your cash flow management. In this blog, we delve into the significance of efficient AR tracking, shedding light on how it can elevate your business’s financial standing.
Read More Enhancing Cash Flow with Efficient Accounts Receivable Tracking

Understanding the Accounts Receivable Turnover Ratio

As a business owner, you know that managing your finances is crucial to the success of your company. One important aspect of financial management is understanding your accounts receivable turnover ratio. This ratio can provide valuable insights into your sales efficiency and credit control. In this article, we will explain what the accounts receivable turnover ratio is, how to calculate it, and how to use it to improve your business.
Read More Understanding the Accounts Receivable Turnover Ratio

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.