Business Term Loan
One lump sum at a fixed rate over a fixed period — the most traditional small business loan there is.
- What is pledged
- Not stated
- What credit is asked
- Not stated
- How long you must have traded
- Not stated
All six
One set of figures, six different programmes.
Everything in this table is on United Business Capital's own product pages, in its own words, four or five paragraphs below a figure block identical on all six. It is the only place the six differ, so it is the front page.
| What differs | Business Term Loan | Business Line of Credit | Short-Term Business Loan | Working Capital Loans | Equipment Financing | Business Cash Advance |
|---|---|---|---|---|---|---|
| What is pledgedThe banner says No Collateral. One of the six is secured on a thing, two more may ask. | Not stated | A personal guarantee may be asked | Collateral may be asked | Nothing | The equipment itself | Nothing |
| What credit is askedThe banner says Bad Credit is Ok. Two of the six publish a floor and two more want “solid credit”. | Not stated | 560 or higher | “Solid credit” | “Solid credit” | 650 or higher | Lenient — it leans on takings |
| How long you must have tradedThe widest spread here: six months for one programme, two years for two others. | Not stated | 6 months | 2 years | 2 years | 12 months | Not stated |
| What revenue is askedTwo of the six publish a revenue floor. Four say nothing about it at all. | Not stated | $50,000 a year | Not stated | Not stated | $50,000 a year | Not stated |
| What it may be spent onThe banner says No Restrictions. Five are open; one buys a specific thing, which is the point of it. | A major capital investment | Almost any business need | Costs, slumps, short projects | Growth, and day-to-day | The equipment | Not stated |
| How it comes backThe one figure block gives all six a 12-36 month term. Two of them have no term in that sense at all. | Fixed rate, fixed period | Revolving — interest on what is drawn | Like a term loan, compressed | Short-term | Over the equipment's life | Out of future earnings |
Empty cells are not omissions. Where this site does not state something for a programme, the cell says so, because a gap a visitor can see is worth more than a plausible figure somebody filled in.
Business Line of Credit
A revolving limit you draw on as you need it, paying interest only on what you have used.
- What is pledged
- A personal guarantee may be asked
- What credit is asked
- 560 or higher
- How long you must have traded
- 6 months
Short-Term Business Loan
The multitool: handy, flexible, and the one to have in your back pocket.
- What is pledged
- Collateral may be asked
- What credit is asked
- “Solid credit”
- How long you must have traded
- 2 years
Working Capital Loans
The one programme on this site whose own page heading is “No Collateral Needed”.
- What is pledged
- Nothing
- What credit is asked
- “Solid credit”
- How long you must have traded
- 2 years
Equipment Financing
Secured on what it buys, which is why the terms are better and why “no collateral” has never applied to it.
- What is pledged
- The equipment itself
- What credit is asked
- 650 or higher
- How long you must have traded
- 12 months
Business Cash Advance
Advanced against future earnings, which makes it the fastest here and the one the banner's claims actually fit.
- What is pledged
- Nothing
- What credit is asked
- Lenient — it leans on takings
- How long you must have traded
- Not stated
The one block
The figures this site publishes, in full
This is the whole of what United Business Capital states about amounts, terms, rates and speed. It appears on all six programme pages, identically, under the same heading. It is printed once here because printing it six times is what made it useless.
- Funding Amount
- $20K to $1M
- Funding Term
- 12-36 Months
- Rates
- Starting at 5.5%
- Speed
- Funding within 24-72 Hours
A cash advance is not a 12-36 month loan at 5.5%, and a line of credit has no term at all, so the block cannot be true of all six. It is reproduced rather than corrected because correcting it would mean inventing five sets of figures this office has never published. What the six actually differ on is below, and all of it is quoted from this site's own product pages.
The application
Get your loan offer
One application reaches the whole network and qualifies you for all six programmes. There is no application fee, no cost to apply and no obligation to take anything that comes back.
Rather talk to somebody first? (866) 221-4074.