Business Details
20 Years
experience
Trusted Merchant Business Loans & Financial Solutions
Universal Funds has been dedicated to empowering businesses with tailored financial solutions since 2006. Our expertise lies in providing unsecured merchant business loans and cash advances, designed to meet the dynamic needs of small to mid-sized enterprises across over 200 industries. We prioritize cash flow over credit scores, enabling businesses with diverse credit histories to access funding quickly. Our commitment to streamlined processes ensures decisions within 24-48 hours and funding in as little as 72 hours. With a focus on eliminating collateral requirements and minimizing paperwork, we offer flexible repayment options, including fixed and variable daily payments.Our team of experienced professionals provides personalized support, guiding clients through every step of the funding journey. From credit card processing solutions to advanced POS systems, we equip businesses with the tools needed to thrive. Our mission remains steadfast: to deliver reliable, performance-driven financial services that foster growth and long-term success for our clients.
Services
Business Loans
Cash Advances
Credit Card Processing
Mobile Card Processing
POS Solutions
Merchant Services
Payment Terminals
Check Readers
Logo Design
Payment Processing
Details
- Year established: 2006
Highlights and features
- We offer unsecured loans with no personal guarantee required.
- Our funding process delivers decisions in 24-48 hours.
- We specialize in serving businesses with diverse credit histories.
- Our team provides personalized support for tailored financial solutions.
- We cater to over 200 industries with customized payment processing tools.
Associations and certifications
- Integrity Payment Systems LLC
What people say
Quick funding process
Easy application
Responsive support team
No collateral required
Helped business growth
Services
Business Loans
Universal Funds provides unsecured business loans ranging from $5,000 to $250,000+, tailored for working capital needs. Our loans feature terms of 3-18 months with fixed or variable daily payments via ACH. Designed for businesses with at least one year of revenue, these loans require no collateral or personal guarantees, supporting over 200 industries nationwide.
Cash Advances
Our cash advances offer flexible funding based on daily credit card sales through split funding. Ideal for seasonal businesses, this solution allows variable repayments tied to sales volume. Quick approvals within 24 hours ensure businesses receive necessary capital rapidly, with funding available in as little as 72 hours to support operational growth.
Credit Card Processing
We supply comprehensive credit card processing solutions, including terminals, PIN pads, and printers for businesses of all sizes. From small cafes to large restaurant chains, our technology ensures secure and efficient transaction handling. Customizable systems integrate seamlessly with POS solutions to optimize payment workflows and customer experience.
Mobile Card Processing
Expand your business mobility with our mobile card processing services. Accept payments anywhere using portable devices, ideal for home-based or on-the-go businesses. This solution enhances cash flow by enabling instant transaction processing, supported by reliable equipment and 24/7 technical assistance for uninterrupted operations.
POS Solutions
Universal POS delivers customized point-of-sale systems to manage sales, inventory, and customer data efficiently. Our technology supports restaurants, retail stores, and take-out businesses with real-time tracking of promotions and products. Integrated solutions streamline operations while providing actionable insights to boost business performance and customer satisfaction.
People
Ross Balula
Founder and CEO
Ross Balula founded Universal Funds in 2006, leveraging his industry expertise to create a leading provider of merchant financial solutions. He oversees strategic growth and ensures the company maintains its commitment to fast, reliable funding and exceptional client service across the United States.
Questions
What loan amounts are available?
Loans range from $5,000 to $250,000+ with terms of 3-18 months, tailored to business needs.
How quickly can I get funded?
Decisions occur within 24-48 hours, with funding available in as little as 72 hours after approval.
Do you require collateral?
No collateral or personal guarantees are required for our unsecured business loans and cash advances.
Can businesses with bad credit apply?
Yes, we prioritize cash flow over credit scores and work with businesses across all credit profiles.
What industries do you serve?
We support over 200 industries, including restaurants, retail, and service providers nationwide.
How do cash advance repayments work?
Repayments are based on a percentage of daily credit card sales through split funding, offering flexibility.
