800.405.6035

Pricing designed for your business

Our factoring rates start as low as 0.55% and are usually no more than 2%. We do not use the same flat rate for every client. We know that every business is different and deserves a customized financing program and we want your business to get the lowest possible rate.

Other Lenders

Credit Line:up to $1M
  • Advance Rate: 85%
  • Days to Fund: 2
  • Credit Line: $1,000,000
  • First 30 Days: 3%
  • Monthly Access Fee: up to $100
  • In-House Underwriting: No?
  • Dedicated Account Rep: No?
  • Credit Approvals: up to $100
  • Overadvance Fee: 2%
  • Lock Box Fee: up to $250/month
  • Same Day Funding Fee: 1%
  • Early Wire Fee: 1%
  • Outgoing Wire Fees: $70

Other Factoring Companies

Credit Line:up to $250k
  • Advance Rate: 80%
  • Days to Fund: 5
  • Credit Line: $250,000
  • First 30 Days: 2.25%
  • Monthly Access Fee: –
  • In-House Underwriting: No?
  • Dedicated Account Rep: No?
  • Credit Approvals: $100 domestic $250 int’l
  • Overadvance Fee: ?
  • Lock Box Fee: ?
  • Same Day Funding Fee: 1%
  • Early Wire Fee: 1%
  • Outgoing Wire Fees: $70

Other Lenders

Credit Line:up to $1M

  • Advance Rate: 85%
  • Days to Fund: 2
  • Credit Line: $1,000,000
  • First 30 Days: 3%
  • Monthly Access Fee: up to $100
  • In-House Underwriting: No?
  • Dedicated Account Rep: No?
  • Credit Approvals: up to $100
  • Overadvance Fee: 2%
  • Lock Box Fee: up to $250/month
  • Same Day Funding Fee: 1%
  • Early Wire Fee: 1%
  • Outgoing Wire Fees: $70

Other Factoring Companies

Credit Line:up to $250k

  • Advance Rate: 80%
  • Days to Fund: 5
  • Credit Line: $250,000
  • First 30 Days: 2.25%
  • Monthly Access Fee: –
  • In-House Underwriting: No?
  • Dedicated Account Rep: No?
  • Credit Approvals: $100 domestic $250 int’l
  • Overadvance Fee: ?
  • Lock Box Fee: ?
  • Same Day Funding Fee: 1%
  • Early Wire Fee: 1%
  • Outgoing Wire Fees: $70

Some Fintech companies offer an alluring 1% rate, but keep in mind this is a weekly rate, so it increases by one percent each week. On a net 30 day payment, their rate is really 4.5% and on a net 60 day payment, it would be 8.5%.

Let us break down what the cost really looks like after 30 and 60 days.

Factoring a $10,000 invoice at a weekly 1% rate would cost you $450 at day 30 and $850 by day 60. Universal Funding provides a monthly factoring rate; if you were to agree to a 1.5% rate the same $10,000 would cost you $150 at 30 days and only $300 at 60 days; less than half of what a weekly rate would cost you.