How Your Financing Works

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The Underwriting Process

We have one simple goal – to provide dedicated entrepreneurs, like yourself, an easy and fast path to business financing. Every business is different and has a unique need. We listen carefully to YOUR story before we connect you with multiple lenders to find the best option to meet your need. We understand your time is valuable but so is speed in business. Many opportunities require quick action; therefore, we’ve developed a streamlined application process with limited paperwork, quick approval, and fast funding.

Your Application-to-Funding period will be quick and easy. Below are the usual underwriting stages:

1 Day
Submit the following information by filling out the online application. Once we’ve received your application, one of our qualified representatives will contact you within 1 business day to discuss your funding options.
1 - 2 Days
* If your FICO score is over 550, you can easily qualify!
3 - 6 Days

How to Qualify

Your Business Should:

Be fully operational for at least 12 months

Process a minimum of $4,000 per month in credit card transactions OR have average monthly sales of $15,000 or higher

Be located in the United States or Canada

How Much Can You Get?

We fund businesses of all sizes, ranging from the smallest corner shop to multi-location retail and service chains. Our financing amount ranges from $5,000 to $1,000,000.

Here’s How You Can Speed Up the Application Process by Providing;

Credit Card Statement

Gather your last four months credit card processing statements and bank statements, and make sure they’re complete.

Seasonal business

If your business is seasonal, be ready to show your high and low season volume.

Business Ownership

Proof of ownership of your business will speed things along. If you have moved recently, please show that it didn’t have a negative impact on your business.


Plan carefully on how much funding you need and what you’re using it for.

Why not give us a try today?

Whether you need urgent cash to cover an unexpected challenge or you want to take your business to the next level, a small business loan or merchant cash advance can help secure the future of your company. Apply now with Uni Capital management and get an answer within 1 business day.The application is free and it will take you less than 5 minutes.

See If You Qualify