Unlock your business potential with expert business development services, including options like a Business Line of Credit, Business loans, Non Bank HELOC, and Term Loans from United Financial. Speak with an expert today.
At United Financial, our mission is to empower businesses by providing top-notch development services, including options like Payroll Financing, Business Line of Credit and various other Business loans. We aim to foster growth and innovation in every client we serve, whether they seek a Non-Bank HELOC, Fix and Flip Financing or a Term Loan.
Experience straightforward payroll financing with United Financial. Our unique funding solution is designed exclusively for payroll needs, making it easier than ever for businesses to manage their finances.
*Apply for Payroll Financing in under 5 minutes with no paperwork required.
*Get approved in just 1-2 days and have funds in your account within 24 hours.
*Interest rates as low as 1.5%
Term-Loan consolidation is the process of securing a new loan to pay off existing debts, effectively combining multiple obligations into a single manageable payment. This approach is particularly helpful for businesses struggling with various payments and interest rates. Consolidating your business loans can simplify your financial management and lead to better cash flow.
At United Financial, our Term loan consolidation solutions empower you to regain control over your business. By consolidating your loans, you can free up capital and access the financing necessary for your business to thrive. This process can result in lower monthly payments and additional cash flow, making it easier to sustain operations.
Our term loans are structured with a 3-year term and a balloon payment at maturity based on a 5-year amortization schedule. While term loans can differ in duration and payment frequency, United Financial ensures that borrowers benefit from a monthly payment plan that enhances cash flow management on a daily basis.
Opting for term loans allows you to borrow at a lower interest rate, which can significantly aid in alleviating operational cash flow challenges by providing the required funds at an affordable monthly rate.
* NO MINIMUM FICO REQUIRED
* $1MM - $10MM FUNDED in 2-4 WEEKS
* 18 - 22% INTEREST RATE
* 36 MONTHLY PAYMENTS
We base all our offerings strictly on your financials, ensuring you get the best possible support for your business needs.
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. This business line of credit is designed to support your business with fast and flexible access to working capital right when you need it most – featuring benefits that no other lender offers.
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, perfect for your business loans needs.
Flexible Terms Repayment:
Repayment terms up to 3 years and a revolving period up to 12 months, ideal for managing cash flow with ease.
Unlimited Draws and Partial Principal Paydowns:
$5,000 minimum, as often as you like during the 1-year revolving period.
Interest-Only Revolving Line of Credit
Approvals for your Business Line of Credit range from $200,000 to $1 million in just 24 to 48 hours.
Start with a minimum initial draw of 25% of your line’s approval.
Save Big! With our unique offering, pay only the interest on your outstanding balance for up to a year, making it an attractive option for those exploring business loans.
Enjoy repayment terms extending up to 3 years with low, fixed payments, ideal for managing your finances.
Benefit from a revolving period of up to 11 months (48 weeks), providing flexibility for your cash flow needs.
Access unlimited draws of $10,000 or more during the revolving period, allowing you to leverage your Business Line of Credit as needed.
Take advantage of unlimited principal paydowns of $10,000 or more during the revolving period, which can free up line availability.
Every regular payment and principal paydown increases your line availability, helping you manage your finances effectively.
PAY ONLY THE INTEREST FOR UP TO A YEAR!
The minimum initial loan amount to begin the interest-only period is $50,000.
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).
This product now includes a Business Line of Credit available for the entire interest-only period (26, 40, or 52 weeks). The credit line will be issued for the difference between your maximum 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 access your initial loan amount via several draws on consecutive business days to facilitate 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.
Benefits of a Working Capital Loan
The financing we provide is a true bank loan, not a merchant cash advance, which means it's one of the best business loans available.
Enjoy limited paperwork, making the application process easier.
We offer longer repayment terms for our term loans – up to 36 months.
Apply online to get approved quickly, with funding available in less than a week.
All our loans come with 24-hour access to a renewable line of credit, ensuring you have the funds when you need them.
The interest you pay is tax deductible, which can help lower your cost of funds significantly.
We don’t conduct hard credit pulls, so your credit score remains unaffected.
Even if you have less than perfect credit, you can still qualify for our financing options.
Line of Credit Advantages
Loan amounts for our Business Line of Credit range from $5,000 to $750,000, with repayment terms extending up to 36 months.
Lock in your best rate for the next 6 months with a minimum first draft of only $10,000.
Utilize the funds as needed and enjoy low, fixed weekly payments. Our Business Line of Credit is designed as a business loan, not a cash advance, meaning repayment is not linked to your daily credit card receipts.
Experience quick online approvals and funding in less than a week. Line drafts are typically processed within 24 hours.
Combine our Business Line of Credit with our Flex Pay Loan to defer up to 50% of the principal into the future, allowing for more affordable payments now and giving you the option to pay it back when the time is right.
Additionally, the interest paid on this Business Line of Credit is tax deductible, which helps to lower your overall cost of funds. Early payoff options are also available.
A small business loan with big value
With longer repayment terms and lower rates, SBA-backed loans offer excellent value when you need funding to grow your small business. Additionally, options like non-bank HELOCs and term loans can provide alternative funding solutions.
- 10-year repayment terms with low monthly payments
- Up to $350,000 for working capital and debt refinancing
- 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 at admin@united-financial.org.
Funds today, no surprises tomorrow. With United Financial, bank term loans provide you the opportunity to secure cash flow quickly while locking in a favorable fixed rate.
Our business loans offer 2–5-year repayment terms with stable monthly payments, allowing you to manage your finances effectively.
You can access up to $300,000 for working capital and debt refinancing, making it a strong alternative to a Business Line of Credit.
We offer competitive fixed interest rates, and eligible business owners must be U.S. citizen or legal permanent residents.
To qualify, you should have 2+ years in business with good credit and cash flow.
If you need more than $300,000, feel free to email us at admin@united-financial.org.
Business Line of Credit
United Financial offers eligible businesses access to a Business Line of Credit of up to $100,000. With this convenient access to capital, you can effectively manage cash flow or fuel expansion when the time is right.
Convenient Application
Our application process for business loans requires minimal documentation—just 6 months of business bank statements and a debt schedule. There's no need for tax returns or complex financial statements, making it easier for you to secure funding.
Flexible Capital
With our Business Line of Credit, you can draw funds anytime over a 24-month period. If you don’t have an outstanding balance, no payment is due, providing you with the flexibility you need.
No Draw Fees
Unlike many other options, our borrowers can access funds without incurring extra fees per draw, making it a cost-effective solution.
Predictable Payments
With 36-month repayment terms, you will make simple monthly payments, giving you confidence in your cash flow management.
For those interested in amounts greater than $100,000, feel free to email us at admin@united-financial.org
Equipment financing is utilized by more than 80% of all businesses to help keep more cash on hand within their operations. Both newer and established businesses can benefit from business loans through equipment financing to add new, used, and even auctioned equipment to their fleet with low costs and quick turnaround compared to traditional lenders. This financing method allows businesses to free up capital to use in other areas, making it an attractive alternative to a business line of credit.
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 operations.
- 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
For those considering alternative financing options, a non-bank HELOC or term loan might also be worth exploring alongside equipment financing through United Financial.
Financing that drives results. Fast capital Funding is a flexible financing tool that can be used by almost any business to cover soft costs, such as inventory, marketing, payroll etc... United Financial identifies options that fit your budget.
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 $10MM+
Client Profile:
Time in Business: 6 Months+
Credit: 450+
Disqualifiers: Recent Chapter 7 bankruptcy, or current defaults.
Product at a Glance
Borrow up to $400,000 with our Business Line of Credit.
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:
Experience a fully digital process from start to funding with our Non-Bank HELOC.
Only pay interest on the funds you use, making it a smart choice for your financial needs.
Enjoy up to 25% savings compared to cash-out refinancing options.
Options for 1st, 2nd, and 3rd liens available.
Rates starting at 6.75% for 1st position liens.
Max CLTV = 85%, DTI Max = 50%.
Eligibility & Requirements:
Minimum credit score: 600+
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.*
There’s no need to wait for an in-person appraisal for funding up to $400K. With competitive rates, our offering is faster than a bank loan and cheaper than a personal loan. Get the funds you need now and move forward with life using our Non-Bank HELOC from United Financial.
Adaptable
Adaptable
Funds for purchase + rehab or refinance + rehab with Business Loans
Get up to $5,000,000 through United Financial
Interest rate 9.25 - 11.25%
Origination 1.5 - 2.5%
Up to 100% construction, utilizing options like a Non Bank HELOC.
Qualify Immediately
30-Second Approval
Minimum Credit Score 660 FICO
Borrow $150k - $5MM for:
Residential Fix & Flip, Ground Up & DSCR with flexible Term Loans.
Term Sheet in Minutes
For real estate investors who want to buy, renovate and resell/refi their property within 12 months. The minimum loan amount is $100,000 and the minimum as-is value is $100,000. Single-family and multi-family up to 4 units and condos are acceptable. A credit score of 660 or higher is required.
Construction loans for residential builders
Get up to $5,000,000 with competitive interest rates ranging from 10.5% to 11.5%. Enjoy an origination fee of 1.50% - 2.5% and take advantage of terms up to 18 months.
These loans are perfect for experienced investors looking to kickstart a new construction project. With a minimum loan amount of $100,000, we accommodate single-family homes, multi-family units up to 4, and condos. A minimum credit score of 660 FICO is required, along with at least 2 previous experiences in similar projects.
Qualify Immediately with our 30-second approval process. Borrow from $150,000 to $5 million for various purposes including Residential Fix & Flip, Ground Up projects, and DSCR financing. Additionally, explore options like Business Line of Credit and Term Loans to complement your construction financing needs. Get your Term Sheet in minutes and discover how United Financial can assist you with your financing.