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Universal Funding

Listed
Factoring company for invoice factoringSpokane Valley, WashingtonServes US businesses; availability varies by program and state
BBLL 000702Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Universal Funding provides invoice factoring with published first-30-day pricing and a separate schedule of service charges. Customer payment is redirected to Universal and the reserve is released after collection.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Invoice factoring
General small business
From the lender's own site and public records.

A second look at Universal Funding

Universal Funding provides invoice factoring with published first-30-day pricing and a separate schedule of service charges. Customer payment is redirected to Universal and the reserve is released after collection.

Universal Funding Corporation describes itself as a family-owned direct funding source.

Published by Levr, not by Universal Funding. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Invoice factoring

Volume and advance
Published monthly invoice volume is $25,000 to $20 million; advances are up to 95% of eligible invoice value.
Discount fee
Its pricing table states 0.55% to 2% for the first 30 days. This is a factoring charge, not an annual percentage rate or a promise of the lowest rate.
Other published charges
The table lists $35 credit approvals, $50 lockbox fee and $30 outgoing wires; no monthly access, overadvance, same-day funding or early-wire fee. Confirm the frequency and applicability of each charge.
Reserve
Remaining invoice proceeds are released after customer payment, less the agreed fee.

Provider sources: Published rate and fee schedule

Invoice verification and collections

Process
Customer credit is reviewed and submitted invoices are verified. The provider describes advances usually within 24 hours; onboarding and approval are separate steps.
Customer notice
Customers are told to direct payments to Universal. The provider handles collections and offers real-time invoice and payment reporting.

Provider sources: Funding workflow · Direct funding and company identity

When it may fit

Our assessment of the published programs

  • B2B businesses with recurring customer invoices and at least the published monthly volume.
  • Owners who want to compare an itemized fee schedule rather than only a headline discount.

What to weigh carefully

  • The first-30-day range does not establish the cost of invoices outstanding for 60 or 90 days.
  • The published volume range is not guaranteed available credit.
  • Reviewed pages do not settle recourse, repurchase triggers, minimum commitments or termination terms.

Questions before you accept an offer

  1. What are the exact charges at 30, 45, 60 and 90 days?
  2. Is the lockbox charge monthly, per account or assessed another way?
  3. Can we select invoices and customers, and is a minimum volume commitment required?
  4. When must we repurchase an unpaid or disputed invoice?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Factor Funding

Factor Funding publishes daily pricing, allowing a comparison of fees over the same collection period.

Riviera Finance

Riviera Finance publishes a defined nonrecourse offering and contract information to compare alongside price.

The lender

Type
Factoring company
Legal name
Universal Funding Corporation
Founded
1998
Charter
Not yet provided Add it
Headquarters
Spokane Valley, Washington
Service area
Serves US businesses; availability varies by program and state
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
universalfunding.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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