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Funding Solutions

Three capital products,
built for how real
businesses operate.

Whether you need working capital, revenue-based funding, or layered capital on top of existing positions  we move fast and underwrite smart.

Product

Cash Flow Financing

Best for

This is the right product for operators who have strong revenue but might not qualify for traditional working capital due to credit history, time in business, or industry. It's also the fastest way to access capital when speed matters more than rate.

Cash flow financing gives you capital based on your bank deposits and revenue patterns, not your credit score. We look at how your business actually performs, then structure flexible repayment that scales with what you bring in.

  • Businesses with consistent bank deposits

  • Operators with 6+ months of revenue history

  • Situations where speed beats rate

  • Capital needs from $10k to $1M

Typical terms
  • Repayment 3 to 12 months

  • Payment schedule. Daily, weekly, or monthly

  • Approval 4 hours

  • Funding 24 hours

Product

Working Capital

Best for:

Working capital is the cash flow your business needs to keep operations running and growing. It covers payroll, inventory, vendor payments, marketing, equipment maintenance, and the everyday expenses that keep your doors open and your business moving forward.

We provide working capital through term loans, lines of credit, and SBA-style structures. Built for businesses that have been around long enough to demonstrate consistent revenue but who can't wait six weeks for a traditional bank decision.

  • Businesses with 2+ years of operating history

  • Predictable monthly revenue patterns

  • Owners with mid-to-strong credit profiles

  • Capital needs from $25k to $2M

Typical terms:
  • 6 to 24 month repayment

  • Fixed monthly or weekly payments

  • Approval in 24 to 48 hours

  • Funding in 2 to 5 business days

Product

Layered Capital Solutions

Best for:

Already have funding in place? We layer additional capital on top of your existing agreements. This is for operators who need more capital to grow but don't want to disrupt or pay off their current positions.

We assess your existing funding obligations, your remaining capacity, and your ongoing cash flow to structure additional capital that works alongside what you already have. No interference with current funders, no conflicts, no forced consolidation.

  • Businesses with 1+ existing funding positions

  • Operators with consistent revenue who need additional capital

  • Situations where consolidation isn't the right move

  • Layered positions from $10k to $1M

Typical terms:
  • 3 to 12 month repayment

  • Flexible payment schedules

  • Approval in 4 hours

  • Funding in 24 hours

Find your fit

Which product fits your business?

If you need speed

Working Capital

For established businesses with 2+ years of operating history that need longer terms, larger capital, and the best available rates.

1M

Funded in  24 hours

If you have time

Cash Flow Financing

For operators with strong revenue who don't qualify for traditional working capital or who need money faster than a bank can move.

$2M

Term     6–24 months

If you already have funding

Layered Capital

For operators with existing positions who need additional capital without paying off or disrupting their current funders.

$1M

Funded in   24 hours

Get Started

Apply once. We'll match you with

the right capital structure for your business.

Three months of bank statements. A one-page application. That's it.

UBizCap

A subsidiary of

Ultimate Business Capital

Specialty commercial finance for growing businesses.

Capital in 24 hours, not 24 days.

© 2026 UBizCap. A subsidiary of Ultimate Business Capital.

Contact

30 N. Gould ST

STE N

Sheridan, WY 82801

Legal

UBizCap is a commercial finance broker, not a lender. All funding decisions are made by independent funders. Funding statistics referenced reflect aggregate platform performance of the commercial receivables syndication platform on which UBizCap operates. Past performance does not guarantee future results. Not available in all states.

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