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
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Gratitude in Every Moment

As Thanksgiving draws near, we find ourselves reflecting on the abundance of gratitude we hold for our incredible clients, friends, and business associates. In the spirit of the holiday, we would like to inform you that Universal Funding will be closed on Thursday and Friday. Normal business hours will resume on Monday, November 27.
Read More Gratitude in Every Moment

How Small Businesses Can Benefit from Payroll Funding

Payroll funding offers small businesses a lifeline in terms of financial stability and growth potential. The benefits range from improved cash flow and mitigating credit risks to quick access to funds. Small businesses can leverage payroll funding to ensure their growth isn’t hindered by financial constraints. If you’re a small business owner looking for a way to manage your finances more effectively, payroll funding is a solution worth considering.
Read More How Small Businesses Can Benefit from Payroll Funding

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.