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.

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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.

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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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The Critical Role of Working Capital Management in Business Success

Managing a business without understanding working capital is like attempting to navigate a maze blindfolded; without the right guidance, you risk getting lost and missing valuable opportunities. Whether you’re a small business owner trying to stabilize your finances or looking for ways to expand, understanding working capital management can make a significant difference. In this…
Read More The Critical Role of Working Capital Management in Business Success

Boost Cash Flow with Receivables Finance

Receivables finance is a crucial financial solution for small businesses that helps manage cash flow by allowing them to sell outstanding invoices to third parties for immediate cash. This article explores various types of receivables finance, including invoice factoring, invoice discounting, asset-based lending, and supply chain finance, highlighting their unique features and benefits. By understanding these options, business owners can make informed decisions to improve their financial health and support growth.
Read More Boost Cash Flow with Receivables Finance

Leveraging Alternative Financing for Uncertain Times

Alternative financing offers businesses flexible and quick access to capital, helping them manage cash flow and respond to unexpected challenges. By utilizing options like invoice factoring and working capital loans, companies can maintain financial stability and build resilience in uncertain times. This strategic approach allows businesses to safeguard their operations and secure long-term success, even in volatile economic conditions.
Read More Leveraging Alternative Financing for Uncertain Times

Why B2B Service Providers are Choosing Invoice Factoring Companies

Invoice factoring is a powerful financial tool for B2B service providers facing cash flow challenges due to long payment cycles. By converting outstanding invoices into immediate cash, businesses can maintain financial stability without taking on additional debt. This flexible solution allows companies to focus on growth and operations, rather than waiting for payments.
Read More Why B2B Service Providers are Choosing Invoice Factoring Companies

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.

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