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 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.

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

Key Business Indicators to Monitor for Sustainable Growth

Achieve sustainable business growth by mastering five crucial business indicators. This blog article provides a detailed overview of essential indicators, including Revenue Growth Rate, Customer Acquisition Cost, Customer Lifetime Value, Gross Margin, and Net Promoter Score. Learn how to calculate these key indicators, understand their importance, and implement effective strategies to improve your business performance, drive long-term profitability, and outperform competitors in the marketplace.
Read More Key Business Indicators to Monitor for Sustainable Growth

Top 6 Finance Solutions for Businesses

Our latest blog article delves into the importance of finance solutions for small businesses. It explores various finance options from business loans to accounts receivable financing. The article provides insights into how to choose the right finance solution based on specific business needs, rates, fees, as well as terms and conditions. Overall, the article serves as a guide to help business owners make informed decisions to support their growth and success.
Read More Top 6 Finance Solutions for Businesses
An illustration of three people celebrating a boost in business cash reserves with symbols of money, an idea light bulb, an open safe, and stacks of coins.

The Best Way to Boost Business Cash Reserves

Explore the key strategies for boosting your business cash reserves in our latest blog article. Trim costs strategically, communicate price increases transparently, and create a budget for consistent growth. Elevate sales through effective marketing, automate savings for seamless accumulation, and consider seeking professional advice for optimal financial management. Building a solid rainy-day fund takes time and effort, but it’s an essential investment in your business’s long-term success.
Read More The Best Way to Boost Business Cash Reserves

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.