Information Technology Factoring

Information Technology Factoring

For Assistance Call (877) 894-8232

Step One : Call or Apply Now

It’s fast, FREE and simple.

Step Two : We Process

Approved in 24 hours.

Step Three : Get Funded

Get funded in days.

When providing services to other businesses or to government entities, information technology (IT) companies may bill on a 30-day term invoice, which means the invoice should be paid within 30 days. In some cases, companies may offer 60 or 90-day terms, this can be common for government contractors.

While these terms are important for your business-to-business (B2B) or business-to-government (B2G) relationship, the time you spend waiting for payment on those invoices can cause serious cash flow issues.

Cash flow isn’t the only issue though. If your customer doesn’t pay by the deadline, you’ll spend valuable time on correspondence and follow-up to get your payment.

We work with some of the nation's top companies as our client's debtors. These include...

Our Services

Choosing to factor with United Capital Funding means you don’t have to wait for payments. 

The process simple when you are our client. As the IT company owner, you only need to…

  • Provide your IT service to your customer (a business or government entity).
  • Generate an invoice for the total amount of the service provided.
  • Send the invoice to your customer including information about the agreed-upon payment terms.
  • Send a copy of the invoice to our team.

Once we verify the invoice with your customer, we will send a percentage of the invoice amount (at least 80%) to your business’ bank account. Then later on, once the invoice is paid in full by your customer, we send the remaining percentage of the invoice to you minus our fees. Factoring is not a loan. It is an advance on pending payment by your customer, which means there is no repayment and no interest.


We provide the competitive advantage and several benefits including:

  • Fast processing. Pre-approval is completed within one business day.
  • Choose your invoices. We allow you to choose which invoices you'd like to factor and we don't have a minimum requirement, allowing you to have complete control of your working capital.
  • Credit investigation for your customers. We help you predict a customer’s ability to pay promptly. This will help you avoid slow-paying and nonpaying customers. We act as a credit manager for your business and can provide credit/delinquency scores and recommend credit limit for each prospect or client.

Our low fees

You will typically only encounter two types of fees - a fee for the cost of the capital and a banking fee (ACH or wire transfer charge). Our fees are drastically lower than the industry average, according to Pepperdine Graziadio Business School’s 2019 Private Capital Markets Project. This keeps your total costs down and your invoice cycle efficient.

Read to learn more? There are three ways to get started…

  • Submit an online application, it takes less than 10 minutes and there is no cost to apply.
  • Request a free consultation, someone from our team will give you a call for a personal conversation.
  • Call our offices at (877) 894-8232. We are open Monday to Friday between 8:30 a.m. – 5:00 p.m. Eastern time zone. 

Information Factoring

Few of Our Technology Clients



What our clients say about our factoring services!

“Very reliable and efficient service. The staff is courteous and professional. They are very accommodating to a small company like ours. UCF has the genuine desire to help our company succeed.”

“UCF is a great funding company, understands the needs of their clients and always available to help. I have and will continue to recommend their services to others that I come into contact with.”

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