United Capital Funding Group

United Capital Funding (UCF) is a specialized financial services provider that offers accounts receivable factoring, a crucial cash flow solution for businesses. As a wholly owned subsidiary of Gulf Coast Bank & Trust Company, an FDIC-insured bank headquartered in New Orleans, Louisiana, UCF benefits from robust capital backing. This bank ownership allows them to offer competitive rates and greater funding capacity compared to traditional factoring companies or brokers, distinguishing them in the B2B and B2G marketplace.

Since its establishment in 1997, UCF has focused on helping businesses, particularly those in growth phases or with significant payroll demands, manage their cash flow by converting outstanding invoices into immediate capital. They emphasize that factoring is a sale of assets, not a loan, thereby providing a non-debt solution for liquidity. UCF takes on the responsibility of managing accounts receivables and performs credit investigations on the customer, reducing risk for their clients.

UCF serves a diverse range of industries including Staffing, Government, Manufacturing, Service, Information Technology, and Security Guard sectors. Their services include advancing a large percentage (typically 80-90%) of invoice amounts and providing clients with secure online access to reports. This approach enables businesses to maintain consistent cash flow, meet payroll needs, and focus on their core operations and growth.