Make Your Money Even Faster
Universal offers creative accounts receivable options to businesses ranging in monthly sales from $1 to $10,000,000 or more, depending on your company’s needs. We are known as being very easy to work with. We make factoring fun for you and we offer outstanding service 24-hours a day, 7 days a week. We stay open every holiday so we can serve you better.

Get What You Need When You Need It
We provide factoring capital for a wide range of businesses. As Vice President, Deron Nicholson says daily about our clients, “If you have invoices, we can provide you with capital in about 4 hours.” Working with many types of businesses, we have some of the best experts in the industry. We love to help as many people as we can. Without even running your credit we can give you an accurate estimate of your rate and your initial amount of factoring capital over the phone.

Because we believe in confidentiality, we won't run your credit the first time you call so you can be confident that we can help you without making you feel uncomfortable.

Zero-Wait Cash Services
Striving to be the best factoring firm in the universe we offer the 4-hour funding program which has become a new standard at Universal.

Credit Limits Don't Exist Here
One reason we find so many clients is our no-maximum factoring policy. If you want more capital from our company, simply ask. It is that easy.

Customer Support
If you are a customer of ours now then you already know that we strive at over performing in the area of instantaneous service. Our customers have always been our most valuable assets and we treat them with extreme respect and outstanding customer support. All of our customers are treated like family and our client base grows continually because we are known for treating clients with respect.

Factoring Lines of Capital / Invoice Factoring
Invoice factoring capital is a good way to obtain a capital infusion when your company needs money. We are able to help you by giving you an instant advance for your invoices. This reduces the time and money spent on chasing overdue invoices. Factoring can protect you against bad debts. Factoring reduces the time and money that your company would normally spend on chasing overdue invoices.

Super Low 1% Rates
Many businesses are yet to attain the dream of a very low-cost cash infusion or a super low rate of capital. The rates that we offer allows us to help more clients do more things with their businesses. The more businesses we help grow, the more the job market grows, the more the economy is enhanced and the more recession proof businesses become.

We poise ourselves as one of the most competitive and willing-to-help factoring firms around. We help you make more profit (through business investment, expansion, new client acquisition) and we help you attain more cushion in your bank accounts.

Flexible Lines of Capital
Enticingly creative and flexible lines of capital keep your company rolling and make your company stronger by eliminating the valleys in your cash flow.

Collection Services
Never forget that we handle the collection of all of your accounts receivable. As a client of ours you will never need to worry about one of your clients not paying. This area of concern becomes our job. We do this at no extra cost and we have an entire team specializing in early payoff procedures. Our advances pay you for your accounts receivable most of the time within 4 hours. This means that we are responsible for collecting the money for all of your invoices simply because you are our client.

Credit Management
We help you find the best clients for your business. We are able to run the credit of any business that you acquire a relationship with, when and if you ask us to.

Quiet and Professional
One of the most misunderstood features of ourservice is our confidentiality to your company’s needs. Our services are transparent to your clients making us appear only as a payment processing business which assists your bookkeeping or accounting efforts as a useful accounting service. None of your clients will ever need to know that our services also offer a full line of capital to your firm, which provides a rather significant advantage for you over your competitors.

Call us for more information regarding just how transparent and professional our services can be and how flexible we are to all of your needs.