Try Invoice Factoring for Fast Working Capital


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

Fast Cash

Funding within 24 hours of receiving approval

Competitive Rates

Universal Funding 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 volume from $25,000
to $20,000,000

Get Back to Business

We manage the invoicing and
collections process for you

What is
invoice factoring?


Invoice factoring is a financing solution that gives businesses fast access to working capital. By turning unpaid invoices into immediate cash, companies can maintain a steady flow of funds. This reliable cash flow helps businesses cover essential expenses like payroll, rent, equipment, and other costs that support growth and day-to-day operations.

Don’t allow slow-paying clients to hinder your progress any longer. With Universal Funding’s fast and straightforward application process, you can convert your unpaid invoices into the working capital necessary to fuel the growth of 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
Red and silver shield logo with the words "All Pro Security" factoring company reviews.

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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Universal Funding Named One of the Top 20 Invoice Factoring Blogs

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As the economy gets more challenging, more businesses are focusing on smart ways to cut costs without sacrificing quality. With rising expenses putting on the pressure, it’s more important than ever to find strategies that help save money and keep things running smoothly. In this article, we’ll explore some of the best cost-cutting practices to help your business stay strong and thrive through challenging times.
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Small Business Week honors the hardworking entrepreneurs who power our communities and economy. This annual event highlights the impact of small businesses through national and local events, awards, and initiatives. From innovation to job creation, small businesses play a critical role in shaping the future. Discover how to support them and why invoice factoring is a smart growth tool.
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Turn unpaid invoices into Fast cash


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