Fuel Your Business Growth
Access flexible working capital solutions designed to help your business manage cash flow, seize opportunities, and scale operations with confidence.
Keep Your Business Moving Forward
Every business faces moments when additional capital can make the difference between stagnation and growth. Whether you need to manage seasonal fluctuations, invest in inventory, cover payroll, or seize a time-sensitive opportunity, our working capital solutions provide the financial flexibility you need.
At Union Point Commercial Finance, we partner with a network of trusted lenders to offer competitive rates, fast approvals, and terms tailored to your business needs. Our advisory approach ensures you get the right financing structure for your unique situation.
Funding Amounts
Funding Speed
95%
Approval Rate
Working Capital Solutions
We offer a range of working capital products to match your business needs and cash flow requirements.
Business Term Loans
Fixed-rate loans with predictable monthly payments for major investments, expansion, or debt consolidation.
- $25K - $5M amounts
- 1-5 year terms
- Fixed monthly payments
Business Lines of Credit
Revolving credit that gives you access to funds when you need them, paying interest only on what you use.
- Draw funds as needed
- Revolving availability
- Flexible repayment
Invoice Factoring
Convert your outstanding invoices into immediate cash to improve cash flow without taking on debt.
- Up to 90% advance rate
- Fast funding
- No debt on balance sheet
Revenue-Based Financing
Flexible financing where repayments adjust based on your business revenue, ideal for seasonal businesses.
- Payments flex with revenue
- No fixed monthly amount
- Quick approval
Merchant Cash Advance
Access capital based on your future credit card sales with automatic daily or weekly repayments.
- Based on card sales
- Automatic repayment
- Fast funding
SBA Working Capital Loans
Government-backed loans offering competitive rates and longer terms for qualified businesses.
- Lower interest rates
- Longer terms available
- SBA guarantee
The Union Point Advantage
We make accessing working capital simple, fast, and tailored to your business needs.
Fast Decisions
Get pre-approval within 24 hours and funding in as little as 48 hours after approval.
High Approval Rates
Our network of lenders means more options and higher approval rates for your business.
Use Funds Freely
No restrictions on how you use your capital—invest in what matters most to your business.
Build Business Credit
Responsible use of working capital can help strengthen your business credit profile.
Dedicated Support
Work with a dedicated advisor who understands your business and financing needs.
Renewable Options
Many of our products offer renewable funding as you build a track record with us.
How It Works
Get the working capital you need in four simple steps.
Submit Application
Complete our simple online application in minutes. Provide basic business information and funding needs.
5 minutesQuick Review
Our team reviews your application and matches you with the best financing options from our lender network.
24 hoursReceive Offers
Review competitive offers tailored to your business. Your advisor will help you understand each option.
Same dayGet Funded
Accept your preferred offer and receive funds directly in your business account.
24-48 hoursReady to Access Working Capital?
Complete our simple application and get pre-approved within 24 hours. Our team is ready to help you find the right financing solution for your business.