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The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G capital funding helps you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our capital funding!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G working capital funding helps you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our working capital funding!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G invoice funding helps you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our invoice funding!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G invoice factoring helps you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our invoice factoring!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G help you buy/sell invoices so you can get capital quickly to focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about how we can help you buy/sell invoices!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G invoice factoring helps you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our invoice factoring!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G factoring receivables help you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our factoring receivables!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G buy/sell receivables help you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our buy/sell receivables!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G AR factoring is a process that turns your accounts receivables into cash flow by eliminating the waiting period while your invoices are paid by converting your unpaid invoices into working capital quickly. As the solution to help you grow your business immediately, United Capital Funding is here to free up your time to do just that.

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.

We're always here to help you get working capital quickly. Contact us today to learn more about our AR factoring!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G accounts receivable management helps you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our accounts receivable management!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G accounts receivable loans help you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our accounts receivable loans!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G accounts receivable financing helps you get capital quickly so that you can focus on what truly matters: growing your business.

Why choose us?

  • Fast processing. Pre-approval is completed within one business day and funding within five business days.
  • 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.
  • No personal liability. As a business owner, you put a lot on the line. We only require a validity statement from you in case your client goes bankrupt instead of placing your personal credit reputation on the line. 

We're always here to help you get working capital quickly. Contact us today to learn more about our accounts receivable financing!


The competitive advantage

It's no secret that cash flow is the lifeblood of every business, and businesses often need more cash than they have on hand. United Capital Funding's B2B and B2G accounts receivable factoring is a process that turns your accounts receivables into cash flow by eliminating the waiting period while your invoices are paid by converting your unpaid invoices into working capital quickly. As the solution to help you grow your business immediately, United Capital Funding is here to free up your time to do just that.

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.

We're always here to help you get working capital quickly. Contact us today to learn more about our accounts receivable factoring!


Benefits of our Professional Services

With extra cash flow, your company can:

  • Cover payroll and operating expenses
  • Take advantage of supplier discounts
  • Purchase additional inventory or equipment
  • Pay taxes
  • Increase sales and profits
  • Offer credit terms to customers

Benefits UCF clients enjoy at no additional cost are:

  • Speeds up collections
  • Supplements your credit department
  • Assists your collection efforts
  • Securely and accurately processes payments via our lockbox
  • Access to Daily Online Reporting
  • Allows companies to achieve full growth potential from new profitable sales
  • Provides cash availability to start-up companies with a limited operating history
  • Generates immediate cash to help companies achieve increased profits
  • Allows clients to take purchase discounts
  • Can be a substitute for giving up equity or bringing in partners, losing ownership or control
  • Client obtains full benefit of UCF's credit department at no cost, hence decreasing bad debts and increasing profitability
  • Allows companies with large concentrations to one customer to have credit availability
  • Takes the worry out of financing and allows you to focus on your business
  • There are no restrictive covenants on the balance sheet and income statement which would restrict the company from seeking new sales
  • You pay for only those invoices that are factored with no minimum requirement

Depending on the type of business you are in you may have heard of the option of factoring receivables. It is very common in industries or economic sectors where businesses typically invoice customers based on 30, 60 or 90-day payment terms.

The biggest problem with this method is the business has to provide the product, materials, or services in advance of the payment, leaving the business with possible cash flow concerns. To avoid having to turn away business, factoring receivables through United Capital Funding provides a unique funding opportunity.

Industries and Businesses

Any industry or business using an invoice and then a delayed payment from their customers is a candidate for using invoice factoring services through United Capital Funding.

As one of the most recognized factoring companies in the nation, we provide services to a wide range of different industries. These include but are not limited to:

Staffing services – often staffing companies have difficulty in making weekly or bi-weekly payroll without factoring receivables as customers may only pay on a monthly basis.
IT companies – it is very common for IT companies to provide services and materials over several months. Funding through factoring is essential for material purchases and staffing considerations.
Security Guard – as with staffing, security companies are typically reimbursed by clients on a monthly basis while required to make payroll weekly.
Manufacturing and Distribution – with a heavy demand on equipment and staff, factoring in this industry is often critical for long-term growth and expansion.

In addition to these industries, contractors, commercial janitorial companies, landscaping businesses and even oil and gas service companies all routinely use factoring services.

Considerations

To qualify for commercial or B2B Accounts Receivable factoring from United Capital Funding business have to be involved in B2B (Business to Business) sales, and they have to utilize final sale contracts. The contracts cannot be based on a guarantee, contingent or consignment type of arrangement.

To learn more about how United Capital Funding can assist your business with factoring services, give us a call today at (877) 894-8232.


The Advantages Of Financing Accounts Receivables In St. Petersburg

When it comes to finding short-term funding for a business, there are limited possibilities. For the vast majority of St. Petersburg businesses, choosing to go with financing accounts receivables over other types of loan options is a much more effective and efficient option.

Quick Approval and Funding

Through United Capital, the credits score of your business is not considered for approval for factoring. Instead, we consider the creditworthiness of your customers, which helps to streamline the process and allows us to provide approval on applications in just a day.

Additionally, there is no requirement to provide collateral. This is because financing accounts receivables is not a loan, rather a business is selling their current accounts receivables and we manage the rest of the collection process.

After approval, up to 80% of the value of the accounts you choose to factor will be deposited into your business account. This provides you with the funds you need for payroll, overhead, material purchases or daily expenses.

No Repayments to Worry About

Once the money is in your account it is yours, without the need to worry about repayment plans as with traditional or short-term bank loans. Once your customer has paid the invoice to United Capital, we will deduct our fees and return the residual amount to your account.

By financing accounts receivables in St. Petersburg there is nothing on your company books and it will not impact the business’s ability to apply for traditional credit. It is simply an effective way to speed up the process of receiving funding for business already done and completed.

To discuss any needs you may have with financing accounts receivables, give our staff a call today at 877-894-8232. We can explain the process and get started on your application immediately.


Understanding factoring rates by United Capital Funding

When your business finds itself in need of additional financing, factoring could be the right solution for you to consider. This allows business owners to sell their B2B commercial Accounts Receivable to a factoring firm in exchange for instant funding. Factoring is not right for every business, however, and depends heavily on how much money you are owed by your client’s outstanding invoices and what your profit margins are. If you think factoring is a viable option to get your business the immediate funding it needs, then contact us today.

We offer fast and professional factoring as an alternative to traditional bank methods to get you the immediate funds you need for your business to remain competitive and to help your company grow. Depending on your business and the amount of your B2B Accounts Receivables, you may be eligible for $25,000 to $4,000,000. These funds can then be used to expand your business or inventory, bring in new hires or assist with generalized cash flow.


Payroll Factoring

Regardless of the type of business, employees are at the heart of either success or failure. Several very prominent and successful entrepreneurs and business professionals are on record as supporting this statement. In fact, one of the most success, Sir Richard Branson, is attributed to the popular statement, “Put your staff first, customer second, and shareholders third.”

As a small business, you may not have shareholders, but you do have employees and customers. Putting your staff first means a lot of things, but one of the most important and the most basic is making sure they are paid fully and on time.

This is where United Capital Funding’s payroll factoring services can be very beneficial to your business. By tapping into the funds you have already earned through sales, you can have the cash on hand to be able to ensure that all employees are paid, even if your cash flow is temporarily depleted.

The Reality of Payroll

With business-to-business (B2B) or even business to government agency types of sales, there is typically at least a 30-day term. In many cases, particularly with large volume sales or with ongoing contracts, there may be a 60 or 90-day term with the sale.

During those one to three months after you have completed the sale or the service and you are waiting for payment, you may have limited cash available. This is particularly true if you have taken on new work and are using your cash for buying materials, equipment or even hiring.

The result may be that there are simply not enough funds in the business to make payroll. This leaves the business with a choice to make payroll and not have the materials needed to take on another job, or buy materials and try to convince employees that payday will be a bit further down the road.

While some employees may be able to wait, a lot of people depend on weekly or bi-weekly pay to keep their own affairs in order. By missing payroll, you will lose valuable employees, reducing your ability to take on bigger projects in the future.

However, not making payroll has other implications. It can significantly damage a company’s reputation for future new hires, and can impact branding and marketing efforts.

The United Capital Funding Payroll Solution

At United Capital Funding, we understand how important it is to keep a skilled, experienced and expert workforce at any business. We offer payroll factoring to allow a business to have advanced access to the funds they are going to receive as per the terms of their accounts receivable.

We will factor up to 80% of the account receivables you choose to factor, allowing you to have funding to the level you need to ensure all employees are paid, materials and supplies are purchased and your business is able to continue to operate.

With no hidden fees, our factoring service is a viable and cost-effective way to retain all your employees even when you may have gaps in your steady income stream. Additionally, since this is not a loan, there is no need to have to budget for repayment, and no interest to have to calculate through the advance.

Finally, and this is essential for a top business, your employees will always have payroll on time and as expected. Our experts are here to help you with both factoring as well as financial support and assistance, and we can provide services as you need them, with no long-term contract agreements.

At United Capital Funding, we understand your employees are the heart of your business. If you are having difficulties in making payroll due to cash flow issues, please contact us today at 877-894-8232. Upon approval, we can have funding to your account in just days, a simple solution to a complex problem.


If you’ve just started a business, or have a small, fledgling enterprise that you’re gradually trying to build up, having enough cash to keep going is critical. Particularly in those fragile early days, it only takes a few clients not to pay on time to leave you in serious financial difficulty. Many new business owners will have invested much of their capital into start-up costs, leaving them with very little to meet on-going expenses until invoices are paid. If you find that you’re struggling to stay afloat, small business factoring could be the perfect solution.

Successful Factoring Results In Rapid Cash Availability

For organizations that need money now, selling some or all of their accounts receivable to a factoring company can be a greatly beneficial decision. As a business owner, you decide exactly which invoices to sell. We will buy your invoices and pay you a percentage of their value. Once we’ve collected them on, we will pay you a second installment of cash, giving you anything up to 90% of your invoice value. Professional fees may also be as low as 0.2%.

Swift, Straight-Forward Answer To Cash Flow Problems

For businesses that don’t want to be tied in to a loan, factoring is a workable solution to keep you running smoothly. Typically the selling process only takes a few days, so you can use the needed cash in time to pay workers, meet bills or buy the materials you require to keep your business running successfully. You don’t have to waste valuable resources on chasing debts; as once you’ve sold them to us, we do all the chasing for you. For many small businesses, responsible factoring can really make a difference.

Committed To Helping Our Customers Grow

We are a successful factoring company that prides itself on operating in an honest, transparent and helpful manner. Our aim is to provide a responsible, tailored financial option for all our customers, enhancing their chances of business success. To find out more about how small business factoring could completely transform your bottom line, call us at (877) 894-8232.


The textiles industry is one of the first industrial sectors to utilize the benefits of factoring. As this is an industry where manufacturers have a large initial cash outlay prior to payment of invoices, access to immediate funding to address cash flow issues is a must.

With United Capital Funding, we are able to fund the accounts receivables you choose to sell through our textiles manufacturer invoice factoring services. We also fully manage these accounts receivables as part of our service, allowing your back office staff to focus in on keeping your business operating.

The Process

The process to apply for textiles manufacturer invoice factoring at United Capital Funding is free, simple, and you will have approval within 24 hours. In just a few business days, the funds will be deposited into an account of your designation.

We will then collect the invoices from your customers as per your original terms. When the invoice is closed, we deduct our fees and wire the residual amount into your account.

We don’t require a contract, and there is typically no charge for termination of the agreement. This gives you full control over the accounts receivable you choose to factor based on your cash flow needs.

The Advantages

Through factoring, which is not a loan, there is no interest or prepayment to worry about, your business has the cash you need to keep operating, buy materials, and make payroll.

Quick, easy and highly effective for textile companies of all sizes, textiles manufacturer invoice factoring is an opportunity to have the cash on hand you need based on sales that are already on the books.

To learn more about United Capital and how our factoring professionals can help your business cash flow concerns, give us a call today at 877-944-9060.


At United Capital Funding we think the more appropriate question is, “Why don’t companies sell their receivables?” By taking a closer look at the advantages, this offers a business of any size the answer to the question will be easy to see.

Selling accounts receivables is also known as factoring. Factoring is done for a variety of reasons, all which benefit a business of any size. Since selling accounts receivables is not the same process as a loan it is fast, very risk aversive, and highly practical to address cash flow issues between invoicing and payment from customers.

Streamlining and Protecting Your Business

Once a business sells their accounts receivables to United Capital Funding, we will take care of collections and processing the payment. With this value-added service, you no longer need to maintain an accounts receivable department or spend valuable time in attempting collections.

This will not only limit the amount of time you, or your employees, spend on these tasks, but it also provides you with the option to use those wages and hours towards growing and expanding your business. The entire process eliminates your exposure to default risk as well as we assume all risk when we acquire your commercial or B2B Accounts Receivables.

Credit Rating Benefits

Most companies today do not have the liquidity to be able to fund payroll, material expenses and the daily expenses of running a business when invoicing on 30, 60 or 90-day terms. When you miss payments to your creditors, this will have a negative impact on your business credit rating.

Through working with United Capital Funding you have the ability to access that funding, without interest or penalty, to use in payroll, purchasing equipment, materials or supplies, or in paying the bills to keep the doors open. It will help you to keep and build you credit rating, and even help you to get volume discounts for purchase you won’t be able to consider without this funding option.

To talk to our experts in business factoring, give us a call today at (877) 894-8232. You will be amazed at the opportunities available through our services.


Staffing Factoring

At United Capital Funding, we understand that your staffing business is not like any other business. Why? Because since 1997, we have provided over $2.5 billion in working capital to staffing and service businesses to help them grow.

Most staffing businesses typically don’t have a lot of fixed assets necessary to get a loan from a typical bank. The fact is, typical lenders don’t understand that one of your most valuable assets are the invoices you have sent to your clients for the time worked and billed. We do!

Our business is to quickly turn your aging accounts receivables into cash and help you grow your business. This is what we do!


UC Funding: Service Business Factoring

Are you a service-related business in the need of factoring? We can help. At United Capital Funding, we know that your business is unlike any other sector because we operate a service business ourselves. In this way, we are able to empathize with your situation and we respect the value that you are providing to your community.

If you are interested in finding new ways to grow your business you have come to the right place. Call (877) 894-8232 or apply today at no cost or obligation.

Our Service Business Factoring Services Will Help You Take Your Company to the Next Level

In this challenging economy, it takes perseverance to make it through the tough times. At United Capital Funding we can help you keep up with the competition. We have been providing service business factoring to our nationwide clientele since 1997; helping them grow with over $2.5 billion in working capital to be exact.

It’s OK if you don’t have a large variety of fixed assets e.g. inventory, machinery, equipment, etc. We utilize the invoices that you have for services billed to your clients in order to help you meet your immediate cash needs. In this way, you are able to do what needs to be done to grow your business.


Security Guard Factoring

Stop waiting to get paid! Fund your security guard business with invoice factoring today.

Invoice factoring allows you to quickly get the working capital you need to grow your security guard staffing business. Business invoice factoring reduces stress by giving you the capital you need for payroll and provide you the ability to extend terms to clients without creating a significant strain on your working capital.

Call 877-894-8232 or apply today at no cost or obligation. Get approved in 24 hours and receive funding in days!


United Capital Funding offers business factoring on accounts receivable for your New Orleans, LA based company. We are an ideal solution for business, which has $25,000 or more in account receivable billing for goods, services, and other assets within your company. Our financing options give your business the necessary capital to meet financial requirements, grow your company, and acquire inventory.

Fast and Easy Application Process

Applying for our business factoring capital is free, quick, and simple. With only 3 steps, our applicants are on their way to obtaining funds in only a few days. Unlike traditional banks, United Capital Funding does not require any fees or additional obligations. We offer our business factoring partners some of the lowest finance rates available, which provides you the ability to focus on your business.

Obtain Working Capital

We work with a variety of industries in New Orleans including staffing, manufacturing, information technology, government, and security businesses. They use factoring to obtain working capital. With the help of United Capital Funding you can clear outstanding invoices and also collect client debts. It is our job to create financial peace of mind for our customers by allowing them the opportunity to keep their business on track. We have obtained over $2.5 billion since 1997 to help fund growing businesses. Contact us today at (877) 894-8232 for more information.


While to many of our customers and clients invoice financing may see like a very new concept, it has been around for literally thousands of years. Approximately 4000 years ago in Mesopotamia King Hammurabi used the process in Babylon, and it was very similar to the system used today.

Skip forward a few thousand years to the 1400s where you find the astute business professionals lending money on grain shipped around the world. Then, in the 1600s and 1700s the colonists obtained funding from bankers in London before they departed on their cross-ocean voyage to the New World.

In the United States

The first industry in the United States to use invoice factoring as a standard business procedure was the textiles industry. These companies had huge expenditures in cotton and raw materials which were required to fill orders and ultimately earn considerable profits.

Wise business professionals recognized this cash flow deficit and began providing interim financing to textile companies as early as the 1910 and through the 1920s. The companies were able to buy the materials they needed to create the fabric and clothing, and ultimately sell their products to retail venues.

In the 1940s, the transportation industry also used factoring. In this case long term hauling contracts, which didn’t cover the price of repairs to trucks, fuel and wages on an immediate basis, were still viable for the industry to consider to grow and expand.

Modern Times

Starting in the 1960s, companies and industries experienced greater difficulties and increasing delays in trying to obtain bank loans and other types of traditional funding.

This again brought invoice factoring to the forefront for forward-thinking business owners. With an increasing demand, which still continues today, the opportunity to factor commercial or B2B Accounts Receivables continues to grow.

If you have a business and are experiencing cash flow challenges between invoicing and payment, let’s talk. To get in touch call (877) 894-8232 today for solutions to your cash flow problems.


Finally landing a government contract is a dream come true for many small to mid-sized businesses. It can be the difference between simply holding your own in the market and being able to finally plan on expansion, growth and even getting into new markets.

The Advantages

Many different companies may provide direct sales or services to different levels of the government from local to federal. This can include manufacturing jobs, supplying staff, completing IT services or even providing security or janitorial services.

The benefits of a government contract include several important issues for a business. One of the most relevant is the guaranteed work and the confidence that the buyer, the government, is not going to default on their payment of the account.

Additionally, having one government contract is getting your foot in the door to obtain others. You become more familiar with the bid submission process, and you also gain insight into just what to include in writing your next bid.

You can also be sure that if you are staffing or providing service professionals, they will be working in safe, regulated environments. Additionally, with a government contract you also have the advantage of having the contract renewed, something that is essential to long-term business growth.

The Challenges

However, it isn’t long into the contract that a small business starts to discover that doing business with the government has its own unique set of challenges. This would be better worded if you use the work payments take up to 90 days to be received. They should know the terms of the invoice prior to taking on the job, and there can be real challenges in getting payment on time.

At United Capital Funding, we have worked with businesses of all sizes across the nation with government contracts. Our team of experts in government invoice factoring understands the difficulties of these types of contracts where election years, holidays, government shutdowns or even votes can hold up or delay payments for days, weeks or even longer.

The United Capital Funding Option

While a business owner may consider a bank loan as their only option, for a new business or a business with a low credit score this is simply not a possibility. Even for an established business with a great credit rating the bank loan option can take weeks or months to provide the funding, which can leave your business scrambling to make payroll, buy equipment and supplies or to simply cover operating costs.

By choosing the option of government invoice factoring your business can have funding of up to 80% of your government accounts receivable in just days of the application. We hold back (reserves) about 20% and, once the invoice is paid, we deduct our pre-arranged fees and provide the residual to your account. Transparent, simple and streamlined, this is the most effective way to get working capital once you have invoiced the government agency.

With our extensive experience in working with local, municipal, state and federal government agencies approval can be completed within 24 hours of your online. Our staff of experts in providing factoring for government contracts can also answer your questions and ensure you understand the process. We will also ensure that all of our receivables funding will be in full compliance with regulations including applicable Federal Acquisition Regulations and the Assignment of Claims Act.

It is important to work with a factor that has experience with government contracts. Our industry experts can provide invaluable information to your business, plus we have extensive experience in working with the various government agencies, providing seamless service to our clients.

To get started, call United Capital Funding today. We will walk you through the application process, and make sure you are fully informed of what to expect and when the funds will be in your account. To get started, contact our government invoice factoring specialists today at 877-894-8232.


It can be difficult to imagine how a theoretical option can work in a real-world business. To help our customers with a real world accounts receivable factoring example, let’s work through a likely scenario not far from what your business may experience.

The Problem with Invoicing

Company A has done work for Company B that includes both materials and labor. Company A invoices Company B for the work with net 60-day terms as they agreed prior to starting the job.

This leaves Company A with not enough income from that contract to replenish inventory, make payroll and pay business expenses. As a result, Company A is limited on taking new contracts because of lack of inventory and materials.

The Solution in this Accounts Receivable Factoring Example

To solve this dilemma, Company A contacts United Capital Funding and submits an application for factoring. We process the application in 24 hours and the Company provides us with the $100,000 accounts receivable for the job.

We provide at least 80% or $80,000 to Company A in just days. This gives the business the opportunity to purchase merchandise and inventory, make payroll and take on new business.

At the same time, United Capital Funding will then work directly with Company B to collect the invoice on the terms you have set. Once it is paid in full we deduct our fees from the 20% or in this case the $20,000 withheld, wiring you the balance once the account is closed.

To apply for factoring or to see how this accounts receivable factoring example would work for your business, call us today at 877.894.8232.


Getting the best funding from your B2B Accounts Receivables with UC Funding

Businesses both large and small may find themselves in need of additional funding for various needs including employee payments, inventory purchasing, rent payments and other expenses. A business may not be in a financial position to spend that money at that time or may be reluctant to dip into emergency funding. In this case, one of the options you can consider is selling or factoring your B2B Account Receivables to UC Funding to get the working capital you need as quickly as possible.

UC Funding has been assisting businesses with their working capital needs since 1997 and has dealt with all of the top Fortune 500 corporations in the world. We are known throughout the factoring industry as being professional and innovative in our approaches to providing our clients with the funding they need to handle new orders, expand, and keep up with general financial obligations.

  • Our application is quick and simple and can be started over the phone
  • We process your application within 24 hours to give you the answer you need
  • If approved, your business can have its much needed funding in just days
  • Unlike traditional banks, we do not require a large amount of sensitive information
  • We also do not drown you in various fees while you are trying to meet your financial goals

If your business would like to consider some of our funding options or you would like more information on how to sell your B2B Account Receivables, please give us a call today at (877) 894-8232. You can also use our short online form to provide your information, and let us be in touch with you as soon as we can. Factoring can be a great alternative to traditional bank loans to get your company the working capital it needs to thrive and grow.


Client: Bob Brown

Company Name: Guard Dogs MFS LLC

Industry: Service Company that does maintenance of foreclosed properties

When we approached United Capital Funding, we were a new company with almost no track record in our industry and needed money to meet our obligations and grow. This was a challenge for us because we were growing and expanding our business. We are a part of a large industry that is involved with the maintenance of foreclosed properties. We needed working capital to put back into our business. Once we partnered with United Capital, our business rapidly expanded.

They used the strength of our biggest client to arrange for Accounts Receivables financing, which allowed us to meet our obligations as we rapidly grew. They provided excellent services and took some responsibility off our hands. It freed up our time, and the cash allowed us to expand and grow. Because we had the backing of UCF and access to capital quicker than we normally would, we were able to invest our time where it needed to be- in our business.


Client: Peter Salamon

Company Name: Strategic Protection Group, Inc.

Industry: Staffing Company

As it is in any industry these days, if one wants to thrive, one must grow. However, in order to grow – one must secure the means of financing that growth.

There are certain industries, which are inherently difficult to manage from the standpoint financing. Our industry is one of them.  There are very few real assets in our industry. Our assets are people. It is the human resources with certain training and skillset that our customers are seeking from us and not office space, or parking services, or housing, or similar real estate based services.

The unfortunate reality of the business in the banking industry has always been dictated by certain well known business practices, which we all have experienced at one point, or another in our personal if not professional lives. The practices I am referring to specifically have to do with lending/borrowing money.

Traditional banking institutions are not in a habit of lending large amounts of money without having an exceedingly large amount of collateral securing the loan.  They prefer that collateral to be in a form of real estate.

In our industry, if one wants to grow, one does not put the money into real estate, but rather into internal improvements of the structure of the corporation. This practice will not qualify the corporation for a loan, even if it improves the overall performance of the entity. The real challenge for me, was to find the way to take advantage of the growth opportunities, which presented themselves to us as an organization at the time. I wanted to do this, but without it being a detriment to our cash flow, or turning away potential customers. Traditional bank financing was not an option, naturally.

United Capital Funding, Inc. was one of a number of companies, which I’ve had been in contact with to secure this sort of financing option. As it is the case with any other industry, this “niche” of the financial sector has a fairly large number of companies offering this type of service. The advantage that I’ve had was, that this was not my first experience with these types of companies. Also, I have had previous dealings with some of the financial entities in this sector in the past.

I have chosen to go with United Capital Funding for a number of reasons, but there are some, that are of great importance to me.  Honesty, integrity and total transparency in dealings with me as the customer is what separates United Capital from some of their competition.

As previously stated, this was not my “first rodeo” and I have seen it all in this business regarding financial dealings with customers. United Capital Funding has helped resolve my issue of financing the growth.  We as a corporation did not have to turn away business.  Our cash flow did not suffer as a result of that growth either.

Thanks to United Capital Funding and their great staff, whatever help we have ever needed, they were always there for us.

I have had many business relationships over the years, but with United Capital I have always found their “business” approach to be very different from any other organization. In all the years we have been a customer, virtually everyone with whom I have ever had a conversation at United Capital Funding always treated me like family and actually cared about my business!

“Honesty, Integrity, Absolute Transparency and Total Customer Care.” – would be my slogan for this unmatched group of people in the industry.


Client: Robert Drayton

Company Name: Drayton, Drayton and Lamar

Industry: Information Technology Company

We had challenges with cash flow and working capital especially when starting new contracts. We contacted United Capital Funding and our problems were solved! They have been very responsive to our needs, and we no longer consider our situation as a challenge, but rather an opportunity to move forward with what the company does best – contract performance! United Capital funding has provided us with the necessary funding to keep our company on track financially. They have a can-do attitude about them that makes it easy for us to move forward as a company. Their customer service is excellent!

With the help of United Capital Funding, we can concentrate on performing our contractual obligations. With their continued financial support, we have confidence in accepting new contracts. Additionally, we do not lose sleep on the basic financial issues – payroll and other financial challenges.


Thank You

Thank you for your submission. A United Capital Funding representative will contact you shortly.


POLICY STATEMENT

Web pages within the Xdesign, Inc. web space, subject to exceptions enumerated in this policy, must be made accessible to the widest range of users, including those with the more common sensory, motor and cognitive disabilities, by adopting as a minimum all requirements of Section 508 of the Rehabilitation Act of 1973.

DEFINITIONS

Assistive Technologies
Adaptive, rehabilitative devices, whether acquired commercially or off the shelf, modified, or customized, that promote greater independence for individuals with disabilities by changing how these individuals interact with technology. Assistive technologies include special input devices, such as a head or foot mouse, and screenreading software, which reads aloud for the user the details of material displayed on a monitor.

Web Accessibility
The practice of making web pages more accessible to a wide range of users by applying specific design standards and programming that offers alternative forms of access and that enables assistive technologies to function effectively.

Web Page
A (web) document rendered by a markup language (e.g., xhtml, html) independent of its transmission protocol (e.g., http) and user agent (browser/reader).

Website
Any collection of web pages residing under a single domain and whose content is centered around a single organizational unit or workgroup, a university course, a research or business activity or an area of academic content.

Web Standards
The formal, non-proprietary standards and other technical specifications that define and describe aspects of the World Wide Web. In recent years, the term has been more frequently associated with the trend of endorsing a set of standardized best practices for building web sites and a philosophy of web design and development that includes those methods.

RESPONSIBILITIES

Interactive Director
When possible, provide necessary support with development for compliance with this policy.

Front End Web Developer
Design, develop or revise websites in accordance with this policy.

WEB ACCESSIBILITY REQUIREMENTS

The following shall be required for all web accessible Xdesign, Inc. websites:

  1. A text equivalent for every non-text element shall be provided (examples: via “alt,” “span,” or in-element content).
  2. Equivalent alternatives for any multimedia presentation shall be synchronized with the presentation.
  3. Web pages shall be designed so that all information conveyed with color is also available without color (e.g., from context or markup).

  4. Documents shall be organized so they are readable without requiring an associated style sheet.

  5. Row and column headers shall be identified for data tables.

  6. Markup shall be used to associate data cells and header cells for data tables that have two or more logical levels of row or column headers.

  7. Frames shall be titled with text that facilitates frame identification and navigation.

  8. A text-only page, with equivalent information or functionality, shall be provided to make a website comply with the provisions of this part when compliance cannot be accomplished in any other way. The content of the text-only page shall be updated whenever the primary page changes.

  9. When pages utilize scripting languages to display content or create interface elements, the information provided by the script shall be identified with functional text that can be read by assistive technology.

  10. Online forms shall allow people using assistive technology to access the information, field elements and functionality required for completion and submission of the form, including all directions and cues.

  11. A method shall be provided that permits users to skip repetitive navigation links.

  12. When a timed response is required, the user shall be alerted and given sufficient time to indicate more time is required.

PROCEDURES

The following methods and tools will be used to test accessibility and confirm that websites meet current web standards as outlined in Section 508 “Improving Website Accessibility.”

Conduct Website Testing and Remediation

  1. Use automated website accessibility scanning tools.
    • Automated website testing tools can “crawl” through the pages of a website and evaluate certain aspects of accessibility. These tools can be used to provide some indication of the likelihood that the website could pose accessibility problems for users. Automated scanning provides an important first-pass screening that can identify if a website is not accessible or does not comply with accessibility standards by testing for the absence of valid required elements and/or attributes. Automated scanning cannot determine if a website is accessible or conformant with accessibility standards. Many accessibility checks require human judgment and must be evaluated manually using different techniques.
  2. Conduct manual accessibility tests.
    • Manual testing requires a tester to play the role of an end user and use most or all features of the application to help ensure accessibility. The tester must be an expert in web accessibility and proficient in the use of input device alternatives and other assistive technologies.

Build Accessibility into New Website Development and Major Redesign Efforts

  1. Plan for accessibility up front.
    • Strategic planning to build accessibility into a website development or redesign project is a key first step. A strategic plan for web accessibility covers many areas beyond actual content development and visual design. A comprehensive plan includes accessibility considerations for required training, tool selection and quality assurance testing. It is important to start early in order to reduce the risk of making initial decisions that become expensive to change or remediate later. The W3C Web Accessibility Initiative (WAI) has published guidance in the document Strategic Planning for Web Accessibility.
  2. Integrate accessibility throughout the development lifecycle.
    • Accessibility is best approached as an integral and ongoing activity. Integrate accessibility throughout the project from early planning to final deployment.
  3. Incorporate both automated and manual accessibility assurance.
    • Use a combination of automated scanning and manual testing as an integral part of your overall quality assurance process.

PRINCIPLES

The federal government requires its agencies to comply with the Rehabilitation Act of 1973, 29 U.S.C. 794d, Section 508, subpart B 1194.22 “Web-based intranet and internet information and applications” (“Section 508”). The law does not require compliance because Xdesign, Inc. is a private entity. Nonetheless, Xdesign, Inc. aspires to make its web pages as accessible as it is practicable in keeping with its founding and enduring philosophy of accessibility in its many forms. Toward that end, this policy sets web accessibility standards for websites in the Xdesign, Inc. web space. Currently, the two most widely accepted standards for web accessibility are the aforementioned Section 508 and the Web Content Accessibility Guidelines (WCAG) of the World Wide Web Consortium (W3C). Xdesign, Inc. has chosen Section 508 standards because they may well represent the standards that Xdesign, Inc. may be expected to adopt if compliance branches out to private businesses.

CONTACT

Please direct questions about this policy to accessibility@thinkx.net.


Sorry you can't make it. We hope to see you at our next event.


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Thank you for submitting your broker referral. A United Capital Funding representative will contact you shortly.


Thank You

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What is the Freight Factoring Fast Track?

Freight Fast Track is the quick and easy way to lower your factoring and asset based lending fees. As a division of Gulf Coast Bank, our transportation prospects receive Instant Approval, Same Day Funding, Lower Rates and Increased Security. We’re so sure that Gulf Coast is the right solution for your freight factoring and asset based lending needs, if you sign on with us, we will send you a YETI Tundra 35 cooler with your favorite team's logo!*

Additionally, GCBC also offers Fuel Cards powered by EFS and Fuel Advances.

Could you use a YETI AND more Money???

Here's how to get started:

1. Get Quote - Fill out our Quick Quote form on the left side of this page, using the promo code "YETI" (on mobile devices, the form is located at the top of the page). Get Approved in 30 minutes with No Setup Fee.

2. Submit - Send your Invoices and Related Documents.

3. Get Cash - Get Paid the Same Day!

4. Get a YETI - We send you a YETI Tundra 35 cooler with your favorite team's logo!*


How can Gulf Coast lower your factoring fees?


Gulf Coast Business Credit specializes in accounts receivable factoring for the Freight and Transportation Industry.  As a division of Gulf Coast Bank & Trust Company (“GCB”) we offer the best of both worlds:  a bank relationship with the flexibility of a specialty lender.  GCBC utilizes the GCB cost of capital and as a result, we are able to offer the most competitive rates in the industry.

Proud Partners

         

         

* Quick Quote must be received and deal must fund by 12/31/17 to qualify.


This Application collects some Personal Data from its Users.

Data Controller and Owner

Gulf Coast Business Credit

Types of Data collected

Among the types of Personal Data that this Application collects, by itself or through third parties, there are: Cookie and Usage Data.

Other Personal Data collected may be described in other sections of this privacy policy or by dedicated explanation text contextually with the Data collection.The Personal Data may be freely provided by the User, or collected automatically when using this Application.

Any use of Cookies - or of other tracking tools - by this Application or by the owners of third party services used by this Application, unless stated otherwise, serves to identify Users and remember their preferences, for the sole purpose of providing the service required by the User.

Failure to provide certain Personal Data may make it impossible for this Application to provide its services.

The User assumes responsibility for the Personal Data of third parties published or shared through this Application and declares to have the right to communicate or broadcast them, thus relieving the Data Controller of all responsibility.

Mode and place of processing the Data

Methods of processing
The Data Controller processes the Data of Users in a proper manner and shall take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.

The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Data Controller, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of the site (administration, sales, marketing, legal, system administration) or external parties (such as third party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Data Controller at any time.

Place
The Data is processed at the Data Controller's operating offices and in any other places where the parties involved with the processing are located. For further information, please contact the Data Controller.

Retention time
The Data is kept for the time necessary to provide the service requested by the User, or stated by the purposes outlined in this document, and the User can always request that the Data Controller suspend or remove the data.

The use of the collected Data
The Data concerning the User is collected to allow the Application to provide its services, as well as for the following purposes: Analytics. The Personal Data used for each purpose is outlined in the specific sections of this document.

Detailed information on the processing of Personal Data
Personal Data is collected for the following purposes and using the following services:

Analytics
Additional information about Data collection and processing

Legal action
The User's Personal Data may be used for legal purposes by the Data Controller, in Court or in the stages leading to possible legal action arising from improper use of this Application or the related services. The User is aware of the fact that the Data Controller may be required to reveal personal data upon request of public authorities.

Additional information about User's Personal Data
In addition to the information contained in this privacy policy, this Application may provide the User with additional and contextual information concerning particular services or the collection and processing of Personal Data upon request.

System Logs and Maintenance
For operation and maintenance purposes, this Application and any third party services may collect files that record interaction with this Application (System Logs) or use for this purpose other Personal Data (such as IP Address).

Information not contained in this policy
More details concerning the collection or processing of Personal Data may be requested from the Data Controller at any time. Please see the contact information at the beginning of this document.

The rights of Users
Users have the right, at any time, to know whether their Personal Data has been stored and can consult the Data Controller to learn about their contents and origin, to verify their accuracy or to ask for them to be supplemented, cancelled, updated or corrected, or for their transformation into anonymous format or to block any data held in violation of the law, as well as to oppose their treatment for any and all legitimate reasons. Requests should be sent to the Data Controller at the contact information set out above.

This Application does not support “Do Not Track” requests.
To determine whether any of the third party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Changes to this privacy policy
The Data Controller reserves the right to make changes to this privacy policy at any time by giving notice to its Users on this page. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom. If a User objects to any of the changes to the Policy, the User must cease using this Application and can request that the Data Controller erase the Personal Data. Unless stated otherwise, the then-current privacy policy applies to all Personal Data the Data Controller has about Users.

Information about this privacy policy
The Data Controller is responsible for this privacy policy, prepared starting from the modules provided by Iubenda and hosted on Iubenda's servers.


Thank You

Thank you for your submission. A United Capital Funding representative will contact you shortly.


Please note, our office is experiencing network issues. If you need assistance, please call us at (877) 894-8232.

Click here to view CADENCE Resources


2019 Holiday Closures

Independence Day - Thursday, July 4

Labor Day - Monday, September 2

Thanksgiving - Thursday, November 28 & Friday, November 29

Christmas Eve - Tuesday, December 24, all locations close at NOON

Christmas - Wednesday, December 25


the simple
growth solution

Businesses often need more cash than they have on hand. United Capital Funding can provide immediate assistance by turning your accounts receivable into cash. Accounts receivable financing with United Capital Funding allows you to focus on what you do best: service your customers and generate new business. With proper financing today, you can get where you want to be tomorrow.

United Capital Funding is a subsidiary of Gulf Coast Bank & Trust Company, an FDIC-insured commercial bank, which means United Capital Funding doesn’t rely on financing from outside sources, giving us lower cost of funds, which is passed on to our clients in the form of lower fees.


The competitive advantage

  • Fast processing. Pre-approval is completed within one business day.
  • Easily transition into our services. Your clients can continue making payments to you instead of addressing all payments to our firm. 
  • 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. 
  • Your time in business is not an issue. Most clients qualify for our services even if they are a young startup company. You may even be able to improve your personal credit rating by using our services.
  • We have the ability to partner with a bank that has a working capital line in place with a company in order to carve out a specific debtor concentration.

 

Simple, transparent fees

  • An innovative five-day fee schedule. The industry standard for a fee structure is 30 days, which means you have less flexibility in how your fee is applied. Our five-day fee structure lets you pay for the funds used, when they’re used. We also calculate your fee based on your funding date, versus our competitors who charge from the earlier invoice date.
  • 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. The chart below details the average fee structure for the industry compared to our competitive pricing, this does not include fees related to the cost of capital.

The industry average fee is based off of the 2019 Private Capital Markets Project, click here to view this report - the numbers above can be found on page 90. As part of our strategic partnership with First Tennessee and Capital Bank, United Capital Funding absorbs all ACH or EFT fees for current clients of First Tennessee and Capital Bank. 

 

Nationally recognized services

  • Reduce the time and cost you spend on credit approvals, collections and debt. We take the responsibility of recovering payments on outstanding invoices, which will free up you time to concentrate on your business.
  • Access reports at any time. Our clients have access to thorough reporting of their invoices and transactions, all at no extra cost and available at any time.
  • 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.
  • Credit insurance on a prospect or client. We absorb the entire cost of credit insuring any client or prospect, including any deductible exposure. Our access to major credit insurers provides us access to information to ensure the lowest possible level of credit losses possible.
  • Comprehensive accounts receivable management. With your direction, our firm contacts your clients to ensure the DSO remains compliant with the terms granted. This increases the efficiency of your invoice cycle.
  • Progressive relationship. Our clients have the ability to increase our total funding relationship on an ongoing, immediate basis. Unlike a bank, we are able to increase our funding in step with your growth, without the need to reapply, pay a fee, or other inconveniences that come with an onboarding process.
  • Professional management of your accounts receivables. We are happy to provide you a list of our clients and references that can confirm our professional approach. Being bank owned, our policies and procedures are under constant scrutiny of the bank examiners. This results in a more professional approach with customers.

 

Does my business qualify?

Clients of United Capital Funding include businesses that have…

  • Sales from $0 to $5,000,000 annually – including startups and companies with historical losses.
  • Capital needs to allow them to grow in their industry.
  • Limited collateral other than commercial invoices.

Schedule a free consultation to discuss your working capital needs, or if you currently have invoices and are ready to apply - fill out our online application, there's no cost to apply.


What is Factoring?

It's no secret that cash flow is the lifeblood of every business. Accounts receivable factoring is a process that turns your accounts receivables (invoices) into cash flow by eliminating the waiting period while your invoices are paid. This process works for companies with a business-to-business (B2B) and 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 factoring and gives them working capital quickly.


United Capital Funding converts your unpaid invoices into working capital quickly, giving you more time to grow and manage your business.

We are part of Gulf Coast Bank & Trust Co. 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. We are the growth factor.


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