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Working Capital

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The first place many business owners turn when in need of operating capital is their bank. While this may appear to be the obvious choice, the fact is that banks are not eager to lend money to small businesses.

Many finance companies have tried to fill this void, however, their loan terms in most cases are extremely unfavorable. UCC is unique in the fact that we offer true business loans at terms that are very competitive.

Our straightforward loans range from $25,000 to $500,000 and can be used for many business purposes. We invite you to get qualified today.


Fixed Rates Starting at 5.49%¹

Fast Credit Decisions

Monthly Repayment Schedule

Terms From 12 to 60 Months

No Prepayment Penalty, pay off any time


Payroll or Hiring

Leasehold Improvements


Debt Refinance

Equipment Purchase

Business Acquisition

Working Capital FAQs

What are the advantages to using UCC instead of my bank?

The primary advantage UCC offers over your bank is that we actually want to approve your loan. It is extremely difficult to secure operating capital from a bank, even if you have a long-term relationship with them. We also do not require large amounts of collateral or impose strict restrictions and covenants on your business.

What do you mean by No Pre-Payment Penalties?

Our loan is very unique in the fact that you can pay the loan off early at any time and not have to pay any additional interest after that point.  Therefore, if you take out a 60 month loan and want to pay it off or refinance it with another lender before the 60 months is over, you are free to do so.

How long must my company be in operation before I can secure a working capital loan?

We require at least 24 months of operating history under the same ownership to consider your business for a working capital loan.

Do your loans require a personal guaranty?

Yes.  Due to the fact that we do not secure any physical collateral for our loans, we do require a personal guaranty.

What are your credit requirements?

We review each loan request in depth, and requirements can change on a case by case basis. However, some general requirements would be consistent revenues, positive net income, no recent bankruptcy/judgement/lien activity and good credit (620 or above).

Can you work with challenged credit types?

UCC can work with companies that may be losing money, have tax liens or past bankruptcies, or have owners with less than perfect credit.  We have an alternative product that is simple to qualify for and offers fast funding.  Terms range anywhere from 6 to 24 months and loans are paid back with fixed payments (made each business day, not including weekends or holidays).

What happens after I click on the START HERE button?

Once you click on “START HERE” you will be re-directed to a simple form where you will be asked to fill out some basic information about your business.  We DO NOT pull any credit reports at this time.  Once you submit the form, a credit manager will review and see if our minimum guidelines are met.  You will be contacted regardless of the outcome within one business day.  If your business does pre-qualify, we will forward a credit application and list of any additional financial information we may need to view in order to secure a full approval.

Industries Served



 Retail Stores


B2B Services


 Auto Repair




 and many more…


If you have further questions about how your loan can be used, call us today at 866-205-0030.

¹View Working Capital Rates and Terms