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We are the growth factor.

We are part of Gulf Coast Bank & Trust Company. As a result, we do not rely on capital from outside sources and that gives you lower fees and high quality client service. This is one of the many advantages of our approach and is one of the reasons why our clients are still with us after decades of service.

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We are bank owned, which means you’ll secure lower rates and high-quality service.
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What is Accounts Receivable (AR) Factoring?

Accounts receivable factoring is a process that turns your accounts receivables into capital by eliminating the waiting period while your invoices are paid. This process work only for businesses with a business-to-business (B2B) or a business-to-government (B2G) model.
This provides businesses with the opportunity to have consistent cash flow for ongoing operations and additional cash reserves to fund growth opportunities. For many businesses, maintaining enough cash can be difficult, especially if a business is young or experiencing rapid growth.
United Capital Funding provides help to these businesses through AR factoring and we can use this process to assess your client's ability to pay (not your ability).

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What are the benefits of choosing United Capital Funding?

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Bank Owned

United Capital Funding is a wholly owned subsidiary of Gulf Coast Bank & Trust Company, an FDIC-insured commercial bank headquartered in New Orleans, Louisiana. As a result, we don't rely on financing from other sources, like most factoring companies do.

Lower Rates

That means we can offer a wider variety of B2B and B2G client solutions, more funding capacity than traditional factoring companies or brokers, and we can provide lower fees than our competitors. As a result, we are the most value-added firm in the B2B and B2G marketplace today.