Finding the Right Financing Structure for Your Business
Every equipment purchase is different, which is why a one-size-fits-all financing solution rarely delivers the best outcome. With decades of expertise as an asset-based equity lender, Universal Finance focuses on understanding the full picture—not just a credit score. By evaluating equipment value, available collateral, and the overall strength of the opportunity, we can often provide customized financing options that other lenders cannot.
For businesses with strong credit profiles, we offer traditional financing options, including up to 100% financing with potentially no money down and first-and-last-payment structures, subject to credit approval. All financing decisions are made in-house following a comprehensive review of the business, equipment, and overall transaction.
However, many businesses don't fit neatly into traditional lending guidelines. We regularly work with companies that may have varying credit profiles, limited credit history, or unique circumstances that require a more flexible approach. Whether you prefer to preserve cash with additional collateral, leverage a down payment to reduce your financed amount, or utilize a combination of both, our team can help structure a solution that aligns with your business goals.
BUILT ON EQUITY. DESIGNED FOR FLEXIBILITY.
Equity plays a central role in every transaction and can be structured through:
Down payments
Additional collateral
Or a strategic combination of both
This flexible approach allows us to structure transactions that help businesses acquire the equipment they need while preserving working capital and supporting future growth.
*Pending Customer Credit Profile.
READY TO EXPLORE YOUR OPTIONS?
Contact Universal Finance today to discuss your equipment financing needs. Our experienced team will work with you to evaluate your situation and determine the financing structure that best supports your business goals. Whether you qualify for traditional financing or require a more creative, asset -based solution, we’re committed to helping your business grow and succeed.
All financing structures are subject to the customer's credit profile, equipment evaluation, and underwriting approval.