Experts at your fingertips
We work with top companies and agencies who owe balances to our clients. These companies and agencies include Walmart, Google, Amazon, Department of Defense (DOD), Federal Bureau of Investigation (FBI), NASA, and Department of Homeland Security (DOHS).
Client references available upon request.
FDIC-insured source of capital
As a wholly owned subsidiary of FDIC-insured Gulf Coast Bank & Trust, you can rest assured that our funding source is insured and secure.
How does United Capital Funding compare?
Say goodbye to endless add-on fees. Studies show our competitors still charge the following fees.
| Others | United Capital Funding | |
|---|---|---|
| Due diligence fee | $$$ | included |
| Invoice processing | $$$ | included |
| Filing fee | $$$ | included |
| Lockbox fee | $$$ | included |
| Application fee | $$$ | included |
| Credit checking | $$$ | included |
| UCC search | $$$ | included |
| Account setup | $$$ | included |
Experts in full notification & verification
Notification is the process of informing a client’s customer that payments should be directed to our secure lockbox facility. Notification is completed by our operations team during the onboarding process and any time a new customer is added. This is standard operating procedure in the factoring industry. The verification process occurs after a client submits an invoice for factoring. We review the invoice and request that the customer that owes this invoice confirms the information on the invoice is correct and is approved for future payment to United Capital Funding.
Gain control of your working capital
Gain more control over your business by choosing which invoices you’d like to factor.
First Horizon customers welcome
As part of our strategic partnership with First Horizon, Iberia Bank, and Capital Bank, United Capital Funding absorbs all ACH or EFT fees for current clients of First Horizon, Iberia Bank, and Capital Bank.
Easily grow with us
Unlike a traditional bank line, we can increase your funding limit in step with your growth, without a new application or additional fee.
Save time managing accounts receivable
With your direction, our firm contacts your customers to ensure day sales outstanding (DSO) remains compliant with the terms granted. This increases the efficiency of your invoice cycle and reduces the time spent on credit approvals, collections and debt.
Startups welcome
Any business with non-consumer accounts receivables in place has the right structure to consider factoring. No need to worry about presenting scarce financial history.
Access on-demand reports
Through our online portal, clients have access to comprehensive invoice and transaction reports, making it easier for you to track activity through Purchase & Advance reports, Collection reports, Aging reports, and more.
Credit insurance available
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.
Three Ways to Get Started
Submit An Online Application
Submitting an application takes less than 10 minutes and there is no cost to apply.
Submit an Inquiry
Someone from our team will reach out to you to discuss your needs and if our services may be a fit.
Call (877) 894-8232
Call our offices! We are open Monday to Friday between 8:30 a.m. – 5:00 p.m. Eastern Time zone.