THE RIGHT FINANCE STRUCTURE FOR YOUR BUSINESS

FLEXIBLE OPTIONS FOR ALL CREDIT PROFILES

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.

With our comprehensive evaluation of equipment value, available collateral, and the overall strength of the business, we can often provide customized financing options that other lenders cannot.

CONTACT US TO REVIEW YOUR FINANCING OPTIONS

EQUIPMENT FINANCING

FINANCE EQUIPMENT WITH SPEED AND EASE

Universal Finance combines industry expertise with a personalized approach to help businesses move forward with confidence. Our team partners with you to craft customized financing solutions that align with your goals.

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.

CASH-OUT: LEVERAGE THE VALUE OF YOUR EQUIPMENT

BUILT ON EQUITY. DESIGNED FOR FLEXIBILITY.

Your equipment holds more than operational value—it holds financial opportunity. Through cash-out or a cash-out refinance, you can unlock operating capital, consolidate debt, and improve cash flow—all while keeping your business moving forward.

Qualified loan-to-value ratio (LTV) is 50-70%.

Which means… if you own equipment worth $100K – You can borrow up to $70K!

These custom options are for businesses that don't fit neatly into traditional lending guidelines because of 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.