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  • Merchant Business Loans

    Universal Funds is the choice for your businesses financial solutions, providing a quick and simple alternative to traditional loan programs for your businesses working capital needs.

  • Credit Card Processing

    With our extensive selection of credit card terminals, PIN pads, and printers, Universal Merchant Solutions will cater to the specific needs of every business whether you're a small café or a large restaurant chain.

  • Mobile Card Processing

    Expand any type of business into a business on wheels. Accept payments anywhere. If your a small business and work-from-home, mobile credit card processing helps increase cash flow wherever your business takes you.

  • POS Solutions

    Universal POS, we strive to get the right solution customized to our customers’ needs; whether it's a restaurant, a mom-and-pop store to any kind of take-out business. We have the latest and greatest technology to track customers, your sales, promotions and your products.

  • Logo Design

    Having our design experts create a unique, well-designed logo will guarantee your company image is well represented in the years to come. Universal Designs will create a look that uniquely represents your business.

America's #1 Direct Lender for Merchant Unsecured Business Loans Makes Funding Your Business Easy!

Universal Funds is the choice for your businesses financial solutions, providing a quick and simple alternative to traditional loan programs for your businesses working capital needs. We take pride in each relationship we have with business owners from all over the United States, independently structuring the right funding solution to help their businesses grow and prosper. Our experienced office staff is fully capable of handling any of your questions regarding the services you acquire with us and are always just a phone call away!

customer service woman

Universal Funds, since opening its doors in 2006, has marked its place in the business world by helping business owners establish low-rate cash advances and credit card processing services. In addition, we also provide credit card terminals, printers, check readers, mobile payment devices, pos systems and any other item or service needed to process payments for your establishment to your specific needs.

You may receive faster service by speaking with an account executive directly by calling 1-888-725-7760.

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About Our Loans - The Basics

Feature  
Loan Size $5,000 - $250,000+
Terms 3 - 18 months
Payment Loan Product - Fixed Daily Payments from account via ACH (Automated Clearing House). For Seasonal Businesses we have Variable Daily Payments from account via ACH (Automated Clearing House). Cash Advance – Percentage of Daily Credit Card Sales via Split Funding.
Timing Decisions in as fast as 48 hours, funding in as fast as 72 hours.

About Our Loans - Eligibility

Requirements  
Time in Business We make loans to businesses that have been generating revenue for 1 year.
Location US-based
Industries Over 200 different industries, including restaurants, retailers and other service providers.
Credit Because we value cash flow over credit scores, we work with small business owners with a wide range of personal credits scores
  • No Personal Guarantee & No Collateral Required, 100% Unsecured Funds
  • Minimal Paperwork Required, Quickly Get Funded in 48 to 72 Hours
  • Bad Credit OK, Our Programs are Business Performance Driven
  • Bankruptcy OK
  • Approvals Within 24 Hours, See How Much You Qualify for, Apply Now!
  • Simple One page Application
  • At least two funding options Loan Product or Cash Advance