4.6/5 Rating | $2B Funded | A+ Rated BBB

Get Paid Today. Not in 90 Days.

Universal Funding advances cash on your outstanding invoices — so payroll gets met, bills get paid, and you stop waiting on slow paying clients.

  • Funding Within 24 Hours
  • Same-Day Direct Deposits
  • Rates Starting at 0.55%
  • Dedicated Account Rep

Talk to a funding specialist now.

800-405-6035

Get My Free Quote Now

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Businesses that stopped waiting

Best Factoring
Company of 2026

$2 Billion+ Funded
Since 1998

3,000+
Satisfied Clients

A+ Rating Better
Business Bureau

Cash flow gaps don’t just cost you money.

Watch this video to learn how we can finance your company’s growth without the wait.

Every day you’re waiting on an unpaid invoice is a day your business stalls instead of grows.

  • You’re scrambling to cover payroll because a client is sitting on Net-60 terms
  • You’re turning away new business because you can’t front the costs
  • You’re eating late fees for payments that were never late on your end, just late arriving

Invoice factoring stops the cycle. You get paid today. Your client still pays on their normal schedule, same terms, same relationship, zero disruption on their end.
Nothing changes for them. Everything changes for you.

get my free rate quote

Funding solutions for your industry

  • Manufacturing
  • Printing
  • Oil Field
  • Staffing
  • Apparel
  • Security
  • Wholesale / Distribution
  • Business Services
  • More
  • Transportation
  • Technology

Why invoice factoring is your best choice

Bank Line of Credit

Invoice Monthly Volume:

$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 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
see if i qualify

Merchant Cash
Advance Provider

Invoice Monthly Volume:

$1,000-$500,000

  • Advance Rate: Based on loan amount
  • Fixed loan fee rate: 35-50%
  • Requires access to bank account for daily withdrawals

Turn unpaid invoices into cash today

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

get my free quote 800-405-6035

Last Updated on 09/01/2026