Proudly Funding Small Businesses Across All 50 States
Credit Cards / Lines of Credit
Merchant Cash Advances
Equipment Financing
Accounts Receivable (A/R) Factoring
No Upfront Fees. No Obligation.
100% Risk-Free to Apply.
Get Your Term Sheet Within 24–48 Hours.








WHY WORK WITH US?
Retail Apparel Store, Atlanta, GA "United Choice Capital got us a $75K line of credit in under a week. The 0% intro period saved us during slow season. Wish we'd done this years ago."
"My bank turned me down twice. UCC had us approved and funded fast. Our business credit has been growing ever since."
"Equipment broke down before our busiest weekend. UCC had cash in our account in 48 hours. Repayment was painless — tied right to our daily sales."
"Approved based on our sales, not our credit score. Had $85K to work with by end of the week. Exactly what we needed."
"Financed three delivery trucks at 100% — kept our cash reserves intact and landed a major contract. The trucks paid for themselves."
"Our CNC machine went down. UCC got us $180K approved in five days. Fast, fair, and zero runaround."
"Our clients pay net-60. UCC lets us get paid immediately on invoices. Now we take on bigger contracts without stressing about cash flow."
"No debt on our books, just instant cash flow. The team was transparent from day one. Factoring through UCC changed how we operate."
1,000 | 65M+ | 24 Hours | 50 States
Businesses Funded
Capital Deployed
Close in as little as
Nationwide Coverage

Not necessarily. We offer multiple funding programs, some of which are revenue-based or asset-based. While stronger credit can help with certain options like lines of credit, we also work with businesses that have less-than-perfect credit.
You can receive a pre-approval within 24–48 hours after submitting your application and basic business information.
Funding amounts typically range from $10,000 to $2,000,000+, depending on your business revenue, time in business, and the type of funding program.
We provide a variety of business funding solutions including:
Credit Cards & Business Lines of Credit
Merchant Cash Advances (MCA)
Equipment Financing
Accounts Receivable (A/R) Factoring
Most programs require at least 3–6 months in business, but some options are available for newer businesses depending on revenue and overall profile.
Requirements vary by program, but most funding options require consistent monthly revenue,
typically starting around $10,000/month or more.
At minimum, we typically need:
Basic business information (Formation and EIN documents)
3–6 months of business bank statements
Driver’s license or State ID
Voided check or bank verification
No, initial pre-approvals are typically done with a soft pull or no credit pull, so it won’t impact your score.
Funding can be deposited in as little as 24–72 hours after approval, depending on the program and how quickly documents are submitted.
Once submitted:
Your business profile is reviewed by our team
We match you with the best funding options
You receive a pre-approval with terms
You select your offer and receive funding
Dedicated Credit Specialist and Funding Advisor
Monthly Credit Audits which include Doc Prep and Processing
24/7 Credit Monitoring
Credit Education with Access to Primary Tradeline Accounts
Money Back Guarantee

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