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
One application · six programmes
Six programmes,and what really differs.
United Business Capital matches businesses with funding through a network of lending partners. It does not lend, it issues no credit decisions, and every figure on this site belongs to a lender rather than to this office.
- About fifteen minutes
- No application fee
- One expert stays with the file
- Funds within 48 hours
Get your loan offer (866) 221-4074
You do not choose the programme on the form. Answer what is asked about the business and the offers come back; one funding expert goes through them with you before anything is signed.
Six rows, six programmesWhat each one actually asks
75+lenders one application reaches, on this site's lower figure
96%of applications reach an offer, on this brand's own figure
48 hoursfrom applying to funds in the account
15 minutesto apply, across six screens
The grid
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.
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 six
Each programme, by its own column.
Three rows of the grid on each card, and all six on the programme's own page.
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
Three steps
One application, one person, one choice.
Three steps, one application, and one person who stays with the file. Funds can be in the account within 48 hours of applying.
Step 01
Fill out one application
About fifteen minutes, across six screens. No application fee and no cost to apply. One application qualifies you for all six programmes from the lenders on the network, so you are not choosing the shape before you know what is available.
Step 02
Review the options with one person
A funding expert analyses and compares the offers and answers whatever you ask of them. The same person stays with the file. Their job at this point is to make sure the one you pick is the one that fits, not the one that closes fastest.
Step 03
Select, and get funded
Funds can be in the account within 48 hours of applying. The same expert stays in touch afterwards and brings you programmes that come up later — this office's own line is that the relationship does not stop when you get funded.
The banner
The banner, and what is behind it
Eight claims run across the top of every page of this site, twice. Four of them are about the six programmes and they are in the table above, where they can be checked. These are the other four, which are about the application or about the network rather than about any programme.
- Minimal Paperwork · Easy Process
- One application covers all six programmes and there is no application fee. It is not one page — this site's own product pages call it a fifteen-minute application, and it runs to six screens. Fifteen minutes is the honest figure and it is this office's own.
- Free Quote
- Holds. There is no cost to apply, nothing payable to this office at any stage, and no obligation to take any offer that comes back.
- 96% Approval Rate
- This appears once, on the business loans page, and nowhere else. It is a figure for the lending network rather than for this office, and the network's own number elsewhere is 95%. One point across a network this size is thousands of applications, so it is worth asking which of the two was measured.
- No Collateral · Bad Credit is Ok · No Restrictions · Fast Funding
- These four are about the programmes, so they are in the table above rather than here. Two of them hold for one or two of the six; two hold for five. That is the reason this site opens with a table.
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.