United Cash Solutions

COMMERCIAL REAL ESTATE

TYPE OF LOAN	PERMANENT LOANS	BRIDGE LOANS
Use of Funds	Purchase \| Refinance \| Cash-Out	Purchase \| Refinance \| Cash-Out
Loan Amounts	$500K to $50MM	$500K to $20MM
Interest Rates	Based on Transaction Quality \| Credit & Location	As Low As 7.50%
Term	Up to 30 Years	1 to 3 Years
Collateral	All Asset Classifications	All Asset Classifications
Eligibility	No Minimum FICO \| Final Rate Depends On Loan Term, Credit & Financial Profile	No Minimum FICO \| Final Rate Depends On Loan Term, Credit & Financial Profile
Loan to Value	Up to 100%	Up to 75%

Apply Now

SMALL BUSINESS LOANS

TYPE OF LOAN	TERM LOANS
Use of Funds	Working Capital \| Debt Consolidation \| Business Acquisition \| FF&E \| Inventory or Expansion
Loan Amounts	$500K to $5MM
Interest Rates	Variable Rate
Term	Up to 25 Years
Collateral	Business Assets \| Accounts Receivable \| Inventory \| Equipment and Real Estate
Eligibility	Owner Operated and For-Profit
Loan to Value	Up to 100%

Apply Now

TYPE OF LOAN	FRANCHISE FINANCE
Use of Funds	Working Capital \| Debt Consolidation \| Expansion \| Acquisition \| FF&E \| Inventory \| Real Estate Purchase/Construction
Loan Amounts	$500K to $25MM
Interest Rates	Variable Rate
Term	Up to 30 Years
Collateral	Business Assets \| Inventory \| Equipment and Real Estate
Eligibility	No Minimum FICO \| Final Rate Depends On Loan Term, Credit & Financial Profile \| Owner Operated and For-Profit
Loan to Value	Up to 100%

Apply Now

TYPE OF LOAN	MERGERS & ACQUISITIONS FINANCE
Use of Funds	Business Acquisition \| Mergers \| Partner Buyout \| Working Capital \| Expansion \| FF&E \| Inventory
Loan Amounts	$250K to $25MM
Interest Rates	Variable Rate
Term	Up to 25 Years
Collateral	Business Assets \| Accounts Receivable \| Inventory \| Equipment and Real Estate
Eligibility	No Minimum FICO \| Final Rate Depends On Loan Term, Credit & Financial Profile
Loan to Value	Up to 100%

Apply Now

TYPE OF LOAN	NON – SBA LOAN
Use of Funds	Working Capital \| New Equipment \| Expand or Refinance Debt or a Loan \| Business Rent Replacement Option
Loan Amounts	$30K to $350K
Interest Rates	Fixed Interest Rate From 7.99%
Term	2 to 5 Years \| Monthly Payments \| No Pre-payment Penalties
Collateral	A Lien on Business Assets and There Is No Minimum Requirement For The Value of Those Assets.
Eligibility	2+ Yrs In Business \| Positive Cash Flow
Loan to Value	Up to 100% With Rent Replacement Option But New Loan Payment Must Be Less Than Your Current Monthly Lease Payment
Other Requirements	No Bankruptcies or Foreclosures Within The Last 3 Years \| No Outstanding Tax Liens \| Business Owners Who Own 20% or More of The Business Must Provide A Personal Guarantee \| By Applying Below, You Will Be Redirected to Smartbiz

Apply Now

TYPE OF LOAN	BUSINESS CREDIT LINE (Direct Draw) or INVOICE (RECEIVABLES) FACTORING
Use of Funds	Working Capital \| New Equipment \| Expansion \| Purchase Inventory \| Make Payroll \| Pay Rent
Loan Amounts	Up To $250K (Larger Amount Plan Is Not Explained Here) \| 6 Mth or 12 Mth Business Credit Line: Draw Funds Up To Your Credit Line; Available Credit Replenishes As You Repay \| Invoice Factoring: You’ll Receive 75%-100% of Invoice Value. Credit Lines Up To $6 Million; Must Upload 3 Months Business Bank Statements \| Must Factor More Than 1 Invoice.
Interest Rates	Business Credit Line (Rates For Larger Amount Plan Not Explained Here): 6-Mth Wkly 0.5%-1.7%; 12-Mth Mthly 2.4%-7%; Same-Day Cash With Wire Transfer Option Is $15 or ACH Which Takes 1-3 Days \| Invoice Factoring: Variable Fees As Low As 0.25% Per Month \| Repay Early With No Pre-payment Penalty
Term	Same-Day Funding (Terms For Larger Amount Plan Not Explained Here) \| Business Credit Line: 6-Mth Is Repaid Weekly; Automatically Debited Over 24-Weeks; 12-Mth Is Repaid Monthly; Automatically Debited Over 48-Weeks \| No Pre-payment Penalties
Collateral	No Collateral Required
Eligibility	Minimum FICO 600 \| Final Rate Depends On Loan Term, Credit & Financial Profile \| Business Credit Line: 6 Mth Need 6 Mths In Business; 12 Mth Need 2 Yrs In Business* \| Invoice Factoring: Minimum Revenue, $10,000; Minimum Invoice, $15,000 \| Bank Statements Must Show No More Than 9 Negative Days; Less Than 15 NSFs/ODs
Fees	Business Credit Line: Draw Fee Is 1.6%-2.5% \| Invoice Factoring: Setup Fee Is 3% of Invoice Amount
Other Requirements	No Bankruptcies or Foreclosures \| No Major Tax Liens \| Business Owners May Need To Provide A Personal Guarantee \| Invoice Factoring: On Application Or At The End, Upload The Contact Information of The Debtor Who Is Paying The Invoice and Provide A Description of Goods or Services Provided.
Application Process	Sign Up In Seconds \| Get A Credit Decision In Under 20 Minutes; Same-Day Funding \| Applying Won’t Impact Credit \| Click “Apply Now” To Complete Application and Business Line of Credit: Upload 3 Months Business Bank Statements \| Invoice Factoring: Up To 8 Hours For Approval \| Upload 3 Months Business Bank Statements and Invoices To Be Factored.

TYPE OF LOAN

BUSINESS CREDIT LINE (Direct Draw) or INVOICE (RECEIVABLES) FACTORING

Use of Funds

Loan Amounts

Up To $250K (Larger Amount Plan Is Not Explained Here) | 6 Mth or 12 Mth Business Credit Line: Draw Funds Up To Your Credit Line; Available Credit Replenishes As You Repay | Invoice Factoring: You’ll Receive 75%-100% of Invoice Value. Credit Lines Up To $6 Million; Must Upload 3 Months Business Bank Statements | Must Factor More Than 1 Invoice.

Interest Rates

Business Credit Line (Rates For Larger Amount Plan Not Explained Here): 6-Mth Wkly 0.5%*-1.7%*; 12-Mth Mthly 2.4%*-7%*; Same-Day Cash With Wire Transfer Option Is $15 or ACH Which Takes 1-3 Days | Invoice Factoring: Variable Fees As Low As 0.25% Per Month | Repay Early With No Pre-payment Penalty

Term

Same-Day Funding (Terms For Larger Amount Plan Not Explained Here) | Business Credit Line: 6-Mth Is Repaid Weekly; Automatically Debited Over 24-Weeks; 12-Mth Is Repaid Monthly; Automatically Debited Over 48-Weeks | No Pre-payment Penalties

Collateral

No Collateral Required

Eligibility

Minimum FICO 600 | *Final Rate Depends On Loan Term, Credit & Financial Profile | Business Credit Line: 6 Mth Need 6 Mths In Business; 12 Mth Need 2 Yrs In Business | Invoice Factoring: Minimum Revenue, $10,000; Minimum Invoice, $15,000 | Bank Statements Must Show No More Than 9 Negative Days; Less Than 15 NSFs/ODs

Fees

Business Credit Line: Draw Fee Is 1.6%-2.5% | Invoice Factoring: Setup Fee Is 3% of Invoice Amount

Other Requirements

No Bankruptcies or Foreclosures | No Major Tax Liens | Business Owners May Need To Provide A Personal Guarantee | Invoice Factoring: On Application Or At The End, Upload The Contact Information of The Debtor Who Is Paying The Invoice and Provide A Description of Goods or Services Provided.

Application Process

Sign Up In Seconds | Get A Credit Decision In Under 20 Minutes; Same-Day Funding | Applying Won’t Impact Credit | Click “Apply Now” To Complete Application and Business Line of Credit: Upload 3 Months Business Bank Statements | Invoice Factoring: Up To 8 Hours For Approval | Upload 3 Months Business Bank Statements and Invoices To Be Factored.

TYPE OF LOAN	BANK STATEMENT EQUIPMENT LOAN / LEASING, BAD CREDIT LOAN GUIDELINES
Use of Funds	Working Capital \| Sale-Leaseback
Loan Amounts	To Apply For $20K to $99K: Click "Apply Now" Button Below and Upload 3 Months Of Recent Business Bank Statements \| To Apply For $100K to $500K: Click "Apply Now" Button Below and Upload 3 Months Of Recent Business Bank Statements Plus 2 Years Business & Personal Tax Returns
Interest Rates	Weekly or Monthly Rate Varies
Term	Start-Ups Are Okay \| 24 to 36 Month Lease Options \| Pay 50% Down
Collateral	There's No Restrictions On Your Collateral's Age Or Usage \| The New or Used Equipment You're Leasing or Purchasing Is Your Collateral
Some Collateral / Industries	Construction Equipment \| Mining / Trenching \| Yellow Iron \| Agricultural Equipment \| Heavy Equipment \| Titled Vehicles
Eligibility	No Minimum FICO \| Final Rate Depends On Loan Term, Credit & Financial Profile \| Subject to Third-Party Valuation \| Bad Credit, Bankruptcies, Tax Liens Are OK* \| Private Party Transitions
Other Requirements	*Tax Liens Must Be Resolved Prior To Funding. Proof Of Lien Release Or Lien Payoff At Time Of Closing Is Necessary (You May Also Use Proceeds From This Loan Transaction For This Purpose.)

TYPE OF LOAN

BANK STATEMENT EQUIPMENT LOAN / LEASING, BAD CREDIT LOAN GUIDELINES

Use of Funds

Working Capital | Sale-Leaseback

Loan Amounts

To Apply For $20K to $99K: Click "Apply Now" Button Below and Upload 3 Months Of Recent Business Bank Statements | To Apply For $100K to $500K: Click "Apply Now" Button Below and Upload 3 Months Of Recent Business Bank Statements Plus 2 Years Business & Personal Tax Returns

Interest Rates

Weekly or Monthly Rate Varies

Term

Start-Ups Are Okay | 24 to 36 Month Lease Options | Pay 50% Down

Collateral

There's No Restrictions On Your Collateral's Age Or Usage | The New or Used Equipment You're Leasing or Purchasing Is Your Collateral

Some Collateral / Industries

Eligibility

No Minimum FICO | Final Rate Depends On Loan Term, Credit & Financial Profile | Subject to Third-Party Valuation | Bad Credit, Bankruptcies, Tax Liens Are OK* | Private Party Transitions

Other Requirements

*Tax Liens Must Be Resolved Prior To Funding. Proof Of Lien Release Or Lien Payoff At Time Of Closing Is Necessary (You May Also Use Proceeds From This Loan Transaction For This Purpose.)

TYPE OF LOAN	ASSET BASED LOAN	LOAN BASED ON YOUR CREDIT
Use of Funds	New or Used Equipment Financing \| Sale-Leaseback	New or Used Equipment Financing \| Sale-Leaseback
Loan Amounts	$1M to $55M \| Click "Apply Now" Below \| Fill-in Application & Upload: Broker Fee Agreement (will be emailed to you), Equipment Appraisal, This Equipment List & Executive Summary or Story of Your Company	$1M to $55M \| Click "Apply Now" Below \| Fill-in Application & Upload: Broker Fee Agreement (will be emailed to you), Equipment Appraisal, This Equipment List, This Current Debt Schedule, Invoices, Equipment Photos, Y-T-D P&L and Balance Sheet, 3 Years Tax Returns (Personal & Business, Preferably Audited or Reviewed) \| Executive Summary or Story of Your Company
Interest Rates	Based on Transaction or Equipment Quality	Based on Credit Profile and Financial Situation
Term	Operating Lease, Capital Lease or Term Loan \| 1 to 3 Years	Operating Lease, Capital Lease or Term Loan \| 1 to 3 Years
Collateral	New or Used Equipment	New or Used Equipment
Eligibility	No Minimum FICO \| Final Rate Depends On Loan Term, Credit & Financial Profile	No Minimum FICO \| Final Rate Depends On Loan Term, Credit & Financial Profile
Loan to Value	You're Advanced 70-80% of FLV(Forced Liquidation Value)	You're Advanced Up To 100% Financing

TYPE OF LOAN

ASSET BASED LOAN

LOAN BASED ON YOUR CREDIT

Use of Funds

New or Used Equipment Financing | Sale-Leaseback

Loan Amounts

$1M to $55M | Click "Apply Now" Below | Fill-in Application & Upload: Broker Fee Agreement (will be emailed to you), Equipment Appraisal, This Equipment List & Executive Summary or Story of Your Company

$1M to $55M | Click "Apply Now" Below | Fill-in Application & Upload: Broker Fee Agreement (will be emailed to you), Equipment Appraisal, This Equipment List, This Current Debt Schedule, Invoices, Equipment Photos, Y-T-D P&L and Balance Sheet, 3 Years Tax Returns (Personal & Business, Preferably Audited or Reviewed) | Executive Summary or Story of Your Company

Interest Rates

Based on Transaction or Equipment Quality

Based on Credit Profile and Financial Situation

Term

Operating Lease, Capital Lease or Term Loan | 1 to 3 Years

Collateral

New or Used Equipment

Eligibility

No Minimum FICO | Final Rate Depends On Loan Term, Credit & Financial Profile

Loan to Value

You're Advanced 70-80% of FLV(Forced Liquidation Value)

You're Advanced Up To 100% Financing

TYPE OF LOAN	ASSET BASED LOAN	EQUIPMENT LOAN OR LEASE	RE-FINANCE	SALE LEASEBACK
Use of Funds	Owned or Used Equipment	New or Used Equipment Financing	Existing Equipment Re-Finance	Existing Equipment Finance
Loan Amounts	$15k to NO MAX Dollar Limit \| Upload: Quote With Picture, Invoice, Equipment Appraisal & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License \| 4 To 6 Weeks To Close \| No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score.	$15k to NO MAX Dollar Limit \| Upload: Quote With Picture, Invoice, Equipment Appraisal & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License \| 1 Hr Pre-Approval; 48 Hours To Close \| No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score.	$15k to NO MAX Dollar Limit \| Upload: Payoff Letter & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License \| 1 Hr Pre-Approval; 48-72 Hours To Close \| No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score \| Must Have An Existing Equipment Loan With A Lender; You Should Be Seeking A Longer Term With A Lower Monthly Payment.	$15k to NO MAX Dollar Limit \| Upload: Receipt of Equipment Purchased Within The Last 90 Days & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License \| 1 Hr Pre-Approval; 48 Hours To Close \| No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score. \| Financing On Equipment Purchased Within The Last 90 Days. \| Must Show Receipts; You'll Get The Funded Amount Directly -- Not The Vendor. \| You'll Receive The Full Value of The Equipment.
Interest Rates	Anyone & Startups With 700+ Fico: 8.99% - 11%* \| 675 FICO: 11% - 13.5%* \| 650 FICO, Plus Up To 20% Down Payment Needed: 14% - 35%*	Anyone & Startups With 700+ Fico: 8.99% - 11%* \| 675 FICO: 11% - 13.5%* \| 650 FICO, Plus Up To 20% Down Payment Needed: 14% - 35%*	Anyone & Startups With 700+ Fico: 8.99% - 11%* \| 675 FICO: 11% - 13.5%* \| 650 FICO, Plus Up To 20% Down Payment Needed: 14% - 35%*	Anyone & Startups With 700+ Fico: 8.99% - 11%* \| 675 FICO: 11% - 13.5%* \| 650 FICO, Plus Up To 20% Down Payment Needed: 14% - 35%*
Term	Anyone & Startups With 700+ FICO: 60 Months* \| 675 FICO: 48-60 Months* \| 650 FICO, Plus Up To 20% Down Payment Needed: 24-60 Months*	Anyone & Startups With 700+ FICO: 60 Months* \| 675 FICO: 48-60 Months* \| 650 FICO, Plus Up To 20% Down Payment Needed: 24-60 Months*	Anyone & Startups With 700+ FICO: 60 Months* \| 675 FICO: 48-60 Months* \| 650 FICO, Plus Up To 20% Down Payment Needed: 24-60 Months*	Anyone & Startups With 700+ FICO: 60 Months* \| 675 FICO: 48-60 Months* \| 650 FICO, Plus Up To 20% Down Payment Needed: 24-60 Months*
Collateral	Owned or Used Equipment \| Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up.	New or Used Equipment \| Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up	Existing Equipment \| Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up	Equipment Purchased Within The Last 90 Days \| Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up
Eligibility	650 FICO Score Need Up To 20% Down Payment \| Start-Ups With A 700+ FICO Score Are Okay \| Been In Business 2 Yrs \| Restaurants 3 Yrs In Business \| Trucking & Logistics With A Fleet Size of 2+ Eligible For 8.99%* - 11%* \| *Final Rate Depends Term, Credit & Financial Profile	650 FICO Score Need Up To 20% Down Payment \| Start-Ups With A 700+ FICO Score Are Okay \| Been In Business 2 Yrs \| Restaurants 3 Yrs In Business \| Trucking & Logistics With A Fleet Size of 2+ Eligible For 8.99%* - 11%* \| *Final Rate Depends Term, Credit & Financial Profile	650 FICO Score Need Up To 20% Down Payment \| Start-Ups With A 700+ FICO Score Are Okay \| Been In Business 2 Yrs \| Restaurants 3 Yrs In Business \| Trucking & Logistics With A Fleet Size of 2+ Eligible For 8.99%* - 11%* \| *Final Rate Depends Term, Credit & Financial Profile	650 FICO Score Need Up To 20% Down Payment \| Start-Ups With A 700+ FICO Score Are Okay \| Been In Business 2 Yrs \| Restaurants 3 Yrs In Business \| Trucking & Logistics With A Fleet Size of 2+ Eligible For 8.99%* - 11%* \| *Final Rate Depends Term, Credit & Financial Profile
Loan to Value	You're Advanced Approximately 70% of LTV	Up To 100% Financing On New or Used Equipment	You're Advanced Up To 100% Financing	You'll Receive The Full Value of The Equipment

TYPE OF LOAN

ASSET BASED LOAN

EQUIPMENT LOAN OR LEASE

RE-FINANCE

SALE LEASEBACK

Use of Funds

Owned or Used Equipment

New or Used Equipment Financing

Existing Equipment Re-Finance

Existing Equipment Finance

Loan Amounts

$15k to NO MAX Dollar Limit | Upload: Quote With Picture, Invoice, Equipment Appraisal & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License | 4 To 6 Weeks To Close | No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score.

$15k to NO MAX Dollar Limit | Upload: Quote With Picture, Invoice, Equipment Appraisal & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License | 1 Hr Pre-Approval; 48 Hours To Close | No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score.

$15k to NO MAX Dollar Limit | Upload: Payoff Letter & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License | 1 Hr Pre-Approval; 48-72 Hours To Close | No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score | Must Have An Existing Equipment Loan With A Lender; You Should Be Seeking A Longer Term With A Lower Monthly Payment.

$15k to NO MAX Dollar Limit | Upload: Receipt of Equipment Purchased Within The Last 90 Days & 3 Months of Business Bank Statements; Trucking & Logistics Upload Commercial Driver License | 1 Hr Pre-Approval; 48 Hours To Close | No Financial Documents Needed For Loans Under $150k (excluding bank statements) Nor For Those Under $350k With A 700+ FICO Score. | Financing On Equipment Purchased Within The Last 90 Days. | Must Show Receipts; You'll Get The Funded Amount Directly -- Not The Vendor. | You'll Receive The Full Value of The Equipment.

Interest Rates

Anyone & Startups With 700+ Fico: 8.99% - 11%* | 675 FICO: 11% - 13.5%* | 650 FICO, Plus Up To 20% Down Payment Needed: 14% - 35%*

Term

Anyone & Startups With 700+ FICO: 60 Months* | 675 FICO: 48-60 Months* | 650 FICO, Plus Up To 20% Down Payment Needed: 24-60 Months*

Collateral

Owned or Used Equipment | Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up.

New or Used Equipment | Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up

Existing Equipment | Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up

Equipment Purchased Within The Last 90 Days | Cannabis (Hemp/CBD) Equipment Valued At $500,000 And Up

Eligibility

650 FICO Score Need Up To 20% Down Payment | Start-Ups With A 700+ FICO Score Are Okay | Been In Business 2 Yrs | Restaurants 3 Yrs In Business | Trucking & Logistics With A Fleet Size of 2+ Eligible For 8.99%* - 11%* | *Final Rate Depends Term, Credit & Financial Profile

Loan to Value

You're Advanced Approximately 70% of LTV

Up To 100% Financing On New or Used Equipment

You're Advanced Up To 100% Financing

You'll Receive The Full Value of The Equipment

Are You Looking for

Business Loans?

We have the lowest Interest Rates on Market