Get Your Questions Answered
We help business owners explore a range of financing options, including term loans, lines of credit, working capital, revenue-based financing, commercial growth funding, and other solutions tailored to your business needs. We match you to the right lenders so you get the best fit for your situation.
Yes. Many traditional banks require rigid criteria like perfect credit, long business history, and collateral. We work with a network of alternative and commercial lenders who look at your business more holistically — including revenue and cash flow — so you can still find funding even if a bank said no.
You start with a simple application that asks about your business, revenue, and funding needs. Once submitted, we review it and present funding options that match your profile. If you choose an option, we help guide you through the next steps to submit required documents and complete the approval process.
Typically, lenders request recent business bank statements, proof of business ownership (like your EIN), and a voided business check. Some lenders may ask for additional paperwork like tax returns or financial statements — and we’ll help you prepare those as needed.
Initial pre-qualification is typically done with a soft pull that does not impact your credit score. Only when you choose a specific funding offer might a lender perform a hard inquiry, which could affect your credit. We explain this clearly before you move forward.
Funding timelines depend on the lender and the type of product you choose. Some businesses receive funding in as little as 1–3 business days once approved, while more structured loans or larger credit lines may take longer.
Funding amounts vary by lender and your business profile, but many businesses qualify for thousands to hundreds of thousands of dollars. Some commercial lenders offer funding in the mid-six figures or more depending on revenue and business strength.
Alternative lenders in our network consider factors beyond credit scores, such as monthly revenue and business performance. While perfect credit can help unlock more options, many businesses with imperfect credit or shorter histories still qualify for funding.
It depends on the lender and the type of financing. Some products may require a personal guarantee or collateral, while others do not. We’ll explain any requirements before you commit so you make an informed decision.
A term loan gives you a lump sum with a fixed repayment plan — great for large purchases or expansion. A line of credit is a flexible pool of funds you can draw from as needed and only pay interest on what you use — ideal for managing cash flow during slow months.
You’ll work with us to understand your options and prepare your application, and then with the funding partner you choose. We stay involved to help you through the process so nothing gets lost in translation.
A broker like Unified Business Capital can:
Save you time by matching you to multiple lenders at once
Help you find funding when banks won’t approve you
Explain complex terms in clear language
Support you through the documentation and approval process
We’re on your side and focused on finding the right solution for your business.
We Provide Afforable Funding Options
Apply online, or give us a call. A U.B.C. Account Executive is looking forward to bringing capital within your reach.

Contact a U.B.C. Account Execurive
(561) 555-1212
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