Broker Referral Program

Universal Funding pays among the highest broker commission rates in the invoice factoring industry.

We work closely with brokers — not just as referral sources, but as long-term partners. When you bring a client to Universal Funding, you stay in the picture: we handle the financing from start to finish, you earn residual commission, and your client gets a funding solution built around their business.

We specialize in invoice factoring and receivables financing, which means we know how to move quickly and explain things clearly. And because everything is managed in-house, there’s no handoff confusion, just a consistent team your clients can actually reach.

Does Universal Funding handle the entire factoring process in-house?.

Yes. Universal Funding manages every step of the financing process internally — underwriting, approvals, contracts, fund transfers, and accounts receivable management. Nothing is outsourced.

This matters for brokers and their clients because there’s no third party introducing delays, miscommunication, or inconsistent service. One team handles the deal from start to finish, which means faster responses, cleaner handoffs, and a funding experience your clients can count on.

Earn up to a 20% commission!

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commission rates in the industry.

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What Universal Funding handles in-house:

  • Underwriting and credit approvals
  • Contract preparation and execution
  • Fund transfers and disbursements
  • Accounts receivable management and collections support
  • Ongoing client service and account management

Key Takeaways

  • You bring the client and we handle everything from underwriting to funding to ongoing service.
  • Your clients get financing tailored to their business, not a one-size-fits-all product.
  • You earn residual commission income for the life of the relationship.
  • We specialize in invoice factoring, so your clients are working with people who know this space well.

Basic Funding Criteria

  • $25,000 minimum sales/invoice volume per month
  • Fund up to $20MM per month
  • B2B companies
  • Temporary Staffing
  • Oilfield & Energy
  • Light Manufacturing
  • IT Consulting
  • Transportation
  • Wholesale & Distribution

Who Will Qualify?

Companies that …

  • Cannot get adequate bank financing
  • Are growth-oriented
  • Need working capital
  • May have tax issues
  • May have a negative net worth
  • May be working through bankruptcy
  • Start-ups with strong debtors

Unable to Factor

  • Permanent Placement Staffing Agencies
  • Construction Industry
  • General Contractors
  • Sub-contractors
  • Patient Care Industry
  • Medicaid Invoices
  • Medicare Invoices
  • Consumer Paid Invoices
  • Referrals available for businesses we are unable to factor

What clients say about working with Universal Funding

These reviews come directly from businesses that have used Universal Funding’s invoice factoring services. Read how clients describe the funding process, the team, and the impact on their cash flow.

Trustpilot

Last Updated on 07/23/2026