Top 5 Funded Deals of 2025
2025 WAS A REMARKABLE YEAR AT UNIVERSAL FINANCE
Throughout the year, we partnered with companies that needed more than a “standard” financing solution. They needed speed, flexibility, and a team willing to help get deals done.
The five funded deals we’re highlighting aren’t just our biggest wins of the year. They’re real-world examples of how Universal Finance helps businesses grow, acquire, expand, and stabilize cash flow when traditional lenders can’t or won’t step in.
From fast-turn acquisitions and creative startup structures to refinancing high-cost debt and year-end tax-driven purchases, these deals showcase what’s possible when experience, creativity, and execution come together.
If you’re considering your next move in 2026, these stories show why so many businesses choose Universal Finance as their financing partner.
Connecticut Excavation Company Acquisition
A Connecticut-based excavation company acquired another local business, with Universal Finance providing $600,000 to finance the purchased assets. This was a repeat customer already on our books who needed to move quickly. Their local bank and SBA lender introduced significant red tape due to the equipment being used and part of a private sale. Universal Finance stepped in and closed the deal in less than two weeks.
Refinancing High-Cost Debt
A North Carolina excavation company had relied on Merchant Cash Advances and working capital loans during the winter months while waiting on accounts receivable. While these products offer fast funding, they come with short terms and high rates. The company approached Universal Finance to consolidate and pay off three lenders. Universal approved $280,000, with $250,000 used to pay off the existing debt and $30,000 deposited as additional working capital. The deal was secured by a mix of excavators and trucks, reducing the company’s monthly debt obligation by approximately $30,000 and significantly improving cash flow.
Startup Dump Truck Company
A startup dump truck company in Virginia sought financing for a 2016 Peterbilt 567 Quad Axle Dump Truck. The owner had held a CDL for only three weeks but had extensive non-CDL trucking experience and strong contracts in place. He was transitioning from earning $18 per hour to $120 per hour. With $50,000 available for a down payment, Universal Finance structured a 12-month lease. After the lease term, the customer will refinance the buyout based on good payment history. This creative structure allowed a brand-new startup to get on the road quickly.
Year-End Rental Conversion
A New Hampshire excavation company contacted Universal Finance on Friday, December 27, 2024. They had been renting three machines for most of the year: a 2019 CAT 315, a 2017 CAT D5, and a 2016 CAT 938. The company wanted to convert the rentals into a purchase and complete the transaction before year-end to take advantage of the Section 179 tax benefit. The dealer applied a portion of the rental payments toward the purchase, creating equity in the deal. Universal Finance moved quickly and funded the transaction on Tuesday, December 31, just before the end of the year.
Expansion Equipment Purchase
A New York-based excavation and materials company sought financing for a 2023 Powerscreen Warrior 800 priced at $205,000. The business had been operating for only two years and had not yet established business credit. While the owner had a strong personal credit profile, other lenders required a large down payment. Although the customer had sufficient cash on hand, he preferred to preserve liquidity for operating expenses. By pledging additional assets as collateral, Universal Finance helped this growing business acquire critical equipment without straining cash flow.