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United Capital Funding logo

United Capital Funding

Listed
Factoring company for invoice factoring and working capital loansSt. Petersburg, FloridaServes US businesses; availability varies by program and state
BBLL 000399Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

United Capital Funding purchases business and government receivables. Government invoices require assignment and payment verification; invoices owed by a government prime contractor are reviewed as commercial accounts.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Invoice factoringWorking capital loans
StaffingManufacturingTechnologyProfessional services
From the lender's own site and public records.

A second look at United Capital Funding

United Capital Funding purchases business and government receivables. Government invoices require assignment and payment verification; invoices owed by a government prime contractor are reviewed as commercial accounts.

Direct factor wholly owned and funded by Gulf Coast Bank & Trust Company. ABL and equipment financing described on the government page are offered through fellow bank subsidiaries, not established as this factor's own programs.

Published by Levr, not by United Capital Funding. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Business invoice factoring

Eligibility
B2B or B2G receivables; FAQ requests at least $25,000 monthly sales before applying. Startups can be considered.
Advance
Service page describes 80% to 90% after invoice verification; actual terms depend on review.
Selection
Clients select customers and invoices. Monthly factoring is typically not required, subject to the agreement.
Pricing
Custom proposal. FAQ describes capital-cost and ACH/wire charges, with most proposals carrying no application, documentation, due-diligence or closing fees. Confirm exceptions.
Existing liens
A receivables lien held by an existing lender may require a subordination agreement.
Onboarding
FAQ says onboarding can take at least seven business days; next-day funding can occur once fully onboarded.
Customer notification
Full notification redirects customer payments to UCF's secure lockbox. Invoices must be verified with the customer.
Risk terms
Confirm recourse, disputed-invoice treatment, reserve release and guarantees in the offer.

Provider sources: Commercial factoring workflow · Eligibility, costs and notification FAQ

Government contract receivables factoring

Assignment
Government invoice funding requires the applicable assignment notices and contracting-officer acknowledgement described by UCF.
Verification
The government portal must show the invoice processed and approved for payment before the standard invoice advance.
Advance and reserve
Government workflow describes an initial 85% to 90% advance, with 10% to 15% reserve released after payment less accrued fees. Percentages vary with the business and customer profile.
Prime-contractor distinction
Receivables owed by a major government contractor are commercial accounts and receive separate review.
Additional structures
Earned-but-unbilled receivables support is described for qualifying professional-service mobilization. Request separate eligibility and terms; a contract award alone is not a funded invoice.

Provider sources: Government program, assignment and reserve

When it may fit

Our assessment of the published programs

  • A business with commercial invoices and sufficient monthly sales seeking selective invoice funding.
  • A government contractor able to complete assignment and portal verification requirements.

What to weigh carefully

  • Minimum monthly sales and a monthly factoring commitment are different requirements.
  • Federal agency receivables and invoices owed by commercial prime contractors are not treated identically.
  • A related company's asset-based loan is not the same legal product as UCF factoring.

Questions before you accept an offer

  1. Which legal entity purchases the receivables?
  2. Which assignment and customer acknowledgements are required?
  3. Is my payor the agency or a commercial prime contractor?
  4. What are the advance, reserve, fee period and transfer charges?
  5. What creates a repurchase obligation or a reserve deduction?
  6. What existing liens must be subordinated and how long will onboarding take?
  7. What notice, guarantee and lien-release requirements apply?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

FundThrough

FundThrough considers B2B and government invoices but has its own first-funding threshold and recourse structure.

eCapital

eCapital offers factoring and separate asset-based credit; compare which legal structure addresses the financing need.

Published specialist programs

Government contract factoring

Dedicated government-contractor team and direct funding; explains assignment and approved-invoice verification.

Who it serves
Government invoices processed and approved for payment; assignment documentation is required. Subcontractor receivables owed by primes are evaluated separately as commercial accounts.
Published terms
Provider describes initial advances up to 85%–90%, subject to its conditions.
Our questions before you choose

Confirm assignment acknowledgment, invoice portal approval and whether the debtor is an agency or prime contractor.

Checked October 31, 2026. Provider program details

Other providers to compare

These providers publish information for at least one of the same financing needs. They are comparison options, not a ranked recommendation or evidence that you qualify.

1st Commercial Credit

Compare government contract factoring →

Factor Funding

Compare government contract factoring →

The lender

Type
Factoring company
Legal name
United Capital Funding Group LLC
Founded
1997
Charter
Not yet provided Add it
Headquarters
St. Petersburg, Florida
Service area
Serves US businesses; availability varies by program and state
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
ucfunding.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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