Empower Your Business Growth
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About United Financial
Our Mission
At United Financial, our mission is to empower businesses by providing top-notch development services. We aim to foster growth and innovation in every client we serve.
Financing products
Independence Bankroll
Interest-Only Flex Pay Loan
Independence Bankroll
Working Capital with Freedom Built In!
We believe you deserve the freedom to grow your business without ruining your cash flow, and our newly enhanced revolving line of credit, Independence Bankroll, can help. It is designed to support your business with fast and flexible access to working capital right when you need it most – with features no other lender has.
Enhanced Benefits of Independence Bankroll:
Financial Independence Features:
8 weeks of interest-only payments* as a built-in cushion, lowering payments by 67% whenever you need to without a penalty.
Larger Loan Amounts:
Line approvals up to $1.5 million with a minimum first draw of only $5,000
Flexible Terms Repayment: Repayment terms up to 3 years and a revolving period up to 12 months
Unlimited Draws and Partial Principle Paydowns:
$5,000 minimum, as often as you like during the 1-year revolving period
***FOR TRUCKING AND CONSTRUCTION INDUSTRIES- GO TO OUR PRE-QUALIFICATION TAB AND COMPLETE FORM
I/O-Bankroll
Interest-Only Flex Pay Loan
Independence Bankroll
Interest-Only Revolving Line of Credit
Approvals from $200,000 to $1 million in 24 to 48 hours.
Minimum initial draw of 25% of the line’s approval.
Save Big! Pay only the interest on your outstanding balance for up to a year.
Receive repayment terms up to 3 years with low, fixed payments.
A revolving period of up to 11 months (48 weeks).
Unlimited draws of $10,000 or more during the revolving period.
Unlimited principal paydowns of $10,000 or more during revolving period.
Every regular payment and principal paydown frees up line availability.
***FOR TRUCKING AND CONSTRUCTION INDUSTRIES- GO TO OUR PRE-QUALIFICATION TAB AND COMPLETE FORM
Interest-Only Flex Pay Loan
Interest-Only Flex Pay Loan
Working Capital (non-mca) Loan
PAY ONLY THE INTEREST FOR UP TO A YEAR!
The minimum initial loan amount to begin the interest-only period is $50,000 (down from $150,000).
Pay only the interest for up to 1 year (52 weeks) with a built-in safety net rollover amortizing loan option up to 2 years (104 weeks).
The product will now carry a line of credit available for their entire interest-only period (26, 40 or 52 weeks). The credit line will be issued for the difference between your max loan approval and your initial loan amount taken.
During the line of credit period, you may take unlimited* draws of $25,000 or more up to your maximum loan approval amount.
You can even take your initial loan amount via several draws on consecutive business days to allow for ease of early payoff when funds become available. The minimum first draw is $50,000 with unlimited subsequent draws of $25,000 or more. Each IO Flex Pay Loan (or draw) will have minimum finance charges due for the entire interest-only period upon early payoff.
***FOR TRUCKING AND CONSTRUCTION INDUSTRIES- GO TO OUR PRE-QUALIFICATION TAB AND COMPLETE FORM
Working Capital (non-mca) Loan
Non-Bank Business Line of Credit
Working Capital (non-mca) Loan
Benefits of a Working Capital Loan
The financing we provide is a true bank loan not a merchant cash advance.
That means payments are fixed and won’t go up when credit cards sales increase.
Limited paperwork
We provide longer repayment terms – up to 36 months.
Apply online and get approved fast with fundings in less than a week.
All our loans come with 24-hour access to a renewable line of credit.
The interest you pay is tax deductible, further lowering your cost of funds.
There are no hard credit pulls so your credit score won’t be affected.
Less than perfect credit is not a barrier to get approved.
***FOR TRUCKING AND CONSTRUCTION INDUSTRIES- GO TO OUR PRE-QUALIFICATION TAB AND COMPLETE FORM
Non-Bank Business Line of Credit
Non-Bank Business Line of Credit
Non-Bank Business Line of Credit
Line of Credit Advantages
Loan amounts are available from $5,000 to $750,000 with repayment terms up to 36 months.
Lock in your best rate for the next 6 months with a minimum first draft of only $10,000.
Use the funds as needed and make low, fixed weekly payments. Our line of credit is a business loan not a cash advance, so repayment is not tied to your daily credit card receipts.
Quick online approvals and fundings in less than a week. Line drafts are normally processed in 24 hours.
Combine our Business Line of Credit with our Flex Pay Loan and you can defer up to 50% of the principal into the future for more affordable payments now and pay it back when the time is right.
The interest you pay is tax deductible, further lowering your cost of funds, and early payoff options are available.
***FOR TRUCKING AND CONSTRUCTION INDUSTRIES- GO TO OUR PRE-QUALIFICATION TAB AND COMPLETE FORM
Financing products
SBA FINANCING
Bank BUSINESS LINE OF CREDIT
bank TERM LOAN
While the government shutdown has paused final SBA loan approvals, you can still prepare your application. Getting ready now means you’ll be ready to move once the SBA reopens.
A small business loan
with big value
With longer repayment terms and lower rates2, SBA-backed loans offer excellent value when you need funding to grow your small business.
10-year repayment terms with low monthly payments
Up to $350,000 for working capital and debt refinancing3
SBA-capped variable rates with some of the lowest available APRs
Eligible business owners are U.S. citizens or legal permanent residents
Must be 3+ years in business with good credit and cash flow to qualify
Want More than $350,000 Email us @ admin@united-financial.org
While the government shutdown has paused final SBA loan approvals, you can still prepare your application. Getting ready now means you’ll be ready to move once the SBA reopens.
bank TERM LOAN
Bank BUSINESS LINE OF CREDIT
bank TERM LOAN
Funds today, no surprises tomorrow
Bank term loans offer you the opportunity to secure cash flow more quickly while locking in a favorable fixed rate.
2–5-year repayment terms with stable monthly payments
Up to $300,000 for working capital and debt refinancing2
Competitive fixed interest rates3
Eligible business owners are U.S. citizens or legal permanent residents
Must be 2+ years in business with good credit and cash flow to qualify
Want More than $300,000 Email Us @ admin@united-financial.org
Bank BUSINESS LINE OF CREDIT
Bank BUSINESS LINE OF CREDIT
Bank BUSINESS LINE OF CREDIT
Business Line of Credit
United Financial helps eligible businesses access a line of credit Up to $100,000. With convenient access to capital, you can manage cash flow or fuel expansion when the time is right.
Convenient Application
Minimal documentation needed—just 6 months of business bank statements and a debt schedule. No tax returns or complex financial statements required.2
Flexible Capital
Draw funds anytime over a 24-month period. If you don’t owe a balance, no payment is due.
No Draw Fees
Borrowers can access funds without paying extra per draw, unlike many other options.
Predictable Payments
With 36-month repayment terms, you make simple monthly payments, giving you confidence in your cash flow.3
Want More than $1000,000 Email us @ admin@united-financial.org
EQUIPMENT LEASING / LOANS
EQUIPMENT LEASING / LOANS
Bank BUSINESS LINE OF CREDIT
Equipment financing is utilized by more than 80% of all businesses to help keep more cash on hand within their operation. Both newer and established businesses can utilize equipment financing to add new, used, and even auctioned equipment to their fleet with low cost and quick turnaround compared to traditional lenders. This allows businesses to free up capital to use in other areas.
Best For:
- Growing operations
- Replacing rented equipment
(save up to 60% per month) - Adding additional assets
to your fleet - Businesses who want asset separation for their business.
- Managing Main Street or other Loan Requirements for new asset acquisitions.
Program Specs:
- New or Used Equipment/ Vehicles
- Equipment Cost: $5,000 – $100mm
- Industry: All industries
- Term: 12 months to 25 year
terms available - Type: Loan, Lease, or EFA
- Rates: as low as 5.5%
- Purchase options: Vendor, Auction, and Private Sale
- Location: United States and Canada
- Guarantee: Personal Guarantor and Corp only available
Client Profile:
- Time in Business: 6+ months
- 0+ for Trucking owner operators and small fleets
- Credit: 600+
- Disqualifiers: Recent Chapter 7 bankruptcy, or current defaults
FAST CAPITAL FUNDING
EQUIPMENT LEASING / LOANS
FAST CAPITAL FUNDING
Financing that drives results. Working capital is a flexible financing tool that can be used by almost any business to cover soft costs, such as inventory, marketing, and payroll. Using a single soft credit look (no hard inquiry), UNITED identifies options that meet desired budget. Options include- Term loans, Revolving Credit Line flexibility, Payroll loan, Fast Capital and more.
Best For:
- Revenue support for service and product-based businesses
- Businesses in Growth Mode or Distress
- Increasing cash flow without long term debt
- Capital needs not secured by collateral
Program Specs:
*Receive Funds Within 24-48 Hours
*Minimal Paperwork
*Up to $5MM
Client Profile:
- Time in Business: 6 Months+
- Credit: 550+
- Disqualifiers: Recent Chapter 7 bankruptcy, or current defaults.
NON-BANK HELOC
EQUIPMENT LEASING / LOANS
FAST CAPITAL FUNDING
Product at a Glance
Borrow up to $400,000
Decision online in ~5 minutes
Funds received in as few as "5 days"
Terms available: 10, 15, 20, or 30 years
HELOC
Home Equity Line of Credit
Key Benefits
Fully digital experience from start to funding
Only pay interest on funds you use
Up to 25% savings vs. cash-out refinancing
1st, 2nd and 3rd liens
Rates starting at 6.75% for 1st position liens
Max CLTV = 85%, DTI Max = 50%
Eligibility & Requirements
Minimum credit score: 640+
(680+ for investment/second homes)
Loan range: $15,000 - $400,000
Property types: Single-family, condo,
townhome
No annual, maintenance, or prepayment fees
The #1 non-bank home equity line
of credit in the U.S.*
No need to wait for an in-person appraisal for loans under $400K. Competitive rates. Faster than a bank loan, cheaper
than a personal loan. Get the funds you need now and move forward with life.
PAYROLL FINANCING
Non-bank TERM LOAN / CONSOLIDATION
Non-bank TERM LOAN / CONSOLIDATION
Straightforward payroll financing.
The only funding solution designed exclusively for payroll.
- Apply in under 5 mins (no paperwork)
- Get approved in 2 days
- Funds in your account within 24 hours
- Repay in 1-4 weeks
- As low as 1.5% interest weekly
Non-bank TERM LOAN / CONSOLIDATION
Non-bank TERM LOAN / CONSOLIDATION
Non-bank TERM LOAN / CONSOLIDATION
Loan consolidation is the action of obtaining a new loan and using it to pay off other existing debts. The purpose is to combine multiple debts into one single loan to make it easier to manage payments. Loan consolidation can be beneficial for businesses having trouble managing multiple payments and different interest rates.
By consolidating your loans, we can help you take back control of your business. Our loan consolidation solutions free up your capital and give you the financing to let your business thrive again. Consolidating your business loans can provide benefits like lowering your monthly payments and freeing up additional cash flow
Our term loan offering a (3) YEAR TERM with a balloon payment at the maturity based on a 5-year amortization.
Term loans can vary in length of time and payment frequency but with United, borrowers can expect a monthly payment which allows for better freedom over cash flow on a day-to-day basis
Term loans give the benefit of borrowing at a lower interest rate. A term loan can help alleviate your operational cash flow by providing the funds you need at monthly rate that is affordable.
* NO MINIMUM FICO REQUIRED
*$1MM - $10MM FUNDED in 2-4 WEEKS
*18 - 22% INTEREST RATE
*36 MONTHLY PAYMENTS
We base everything strictly on your financials.
YOUR REAL ESTATE CAPITAL PARTNER
Fix & flip
Fix & flip
Fix & flip
Funds for purchase + rehab or refinance + rehab
- Get up to $5,000,000
- Interest rate 9.25 - 11.25%
- Origination 1.5 - 2.5%
- Up to 100% construction
Qualify Immediately
30-Second Approval
Minimum Credit Score 660 FICO
Borrow $150k - $5MM for:
Residential Fix & Flip, Ground Up & DSCR
Term Sheet in Minutes
For real estate investors who want to buy, renovate and resell /refi their property within 12 months. Minimum loan amount is $100,000 and minimum as-is value is $100,000. Single family and multi-family up to 4 units and condos are acceptable. Credit 660+ is required.
ground up
Fix & flip
Fix & flip
Construction loans for residential builders
- Get up to $5,000,000
- Interest rate 10.5 - 11.5%
- Origination 1.50 - 2.5%
- Up to 18 Months
Perfect for experienced investors who want to start a new construction project. Term up to 18 months Minimum loan amount is $100,000. Single family and multi-family up to 4 units and condos are acceptable. Credit 660+. At least 2 previous similar experience required.
Qualify Immediately
30-Second Approval
Minimum Credit Score 660 FICO
Borrow $150k - $5MM for:
Residential Fix & Flip, Ground Up & DSCR
Term Sheet in Minutes