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United Capital Source

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LAST UPDATED: January 26th, 2023

Since its founding in 2011, United Capital Source has helped over 20,000 U.S. business get over $900 million in funding. Its website features case studies from happy customers in a variety of industries, from digital marketing to retail. There's a chance United Capital Source could help your company too — the company works with over 1,000 industries.

The company provides funds to increase cash flow. Many companies use the loans to buy supplies, pay additional employee wages, cover unexpected costs, and more. United Capital Source offers a team of business lending specialists to discuss requirements and the best options for funding.

Typical borrowers can be those with bad credit needing small loans, or those with good credit looking to get a large amount of funds quickly.

Consumers that choose United Capital Source should remember that they must have a credit score of 525 or higher.

In 2015 and 2017, the company ranked in the Inc. 5000. United Capital Source's founder, Jared Weitz, is chair of the Small Business Finance Association Broker Council.

Top Ranked Companies


The Good

  • Service Features
  • Funding Options
  • No Collateral or Personal Guarantee Needed
  • No Application Fees
  • National Coverage
  • Quick Funding Time
  • Easy Application

Service Features

  • You can receive funding in as little as 24 hours
  • The company approves growing businesses at least 3 months old and established businesses
  • Borrow up to $10 million

Funding Options

Many alternative lenders have an array of funding options. UCS can connect you with several options that could be right for your business:

  • Merchant cash advances
  • Business lines of credit
  • SBA loans
  • Invoice factoring
  • Business term loans
  • Working capital loans
  • Equipment financing

United Capital Source mentions it has programs specifically for women entrepreneurs, bad credit scenarios, and revenue-based lending too.

No Collateral or Personal Guarantee Needed

With some loan programs from United Capital Source, you do not need a personal guarantee or collateral. However, this may mean that the interest rates are higher — small businesses with no credit history or collateral will always need to pay higher interest rates. You could be eligible for these products without a personal guarantee or collateral:

  • Merchant cash advance
  • Business credit card

No Application Fees

Many companies charge a fee to apply for a business loan, but UCS makes its application free. In fact, UCS doesn't directly charge closing fees and doesn't charge prepayment fees, either.

National Coverage

United Capital Source offers loan options to all 50 states.

Quick Funding Time

While traditional lenders can require months of time to approve an application, United Capital Source can respond to your application for certain products in as little as 6 hours. These products include the merchant cash advance and line of credit.

Other products such as equipment financing, term loans, SBA loans, business credit cards, and accounts receivable financing require a longer turnaround time, but the process is still quicker than many traditional options.

Easy Application

United Capital Source has a simple, one-page application. For pre-approval on some products, all customers will need is to fill out this application and provide their most recent three business bank statements.


The Bad

  • Repayment Terms
  • No Startup Funding

Repayment Terms

Some products require weekly or even daily repayment, which might not make them viable for your business. However, UCS also has funding options with semi-monthly and monthly payment plans, so this will depend on the product you prefer.

No Startup Funding

For those seeking funding for a brand new business, UCS might not be able to help you. United Capital Source can work with businesses with at least three months of documented sales history.


The Bottom Line

There are several things to like about United Capital Source, including its updated, comprehensive website and quick funding options. United Capital Source has included important information for prospective clients on its website, including starting interest rates, max funding amounts, term lengths, and approval times.

However, be aware that you might not be eligible for funding if you are a startup or don't have access to a credible sales history.

View Best Business Loan Lenders

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25 Reviews

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Mr. Dur Laguna Beach, CA

Seriously, are these clowns still around? I would send deal overflow for less important clients during '17-'18. Danielle had absolutely no grasp of lending or finance in general nor did anyone with whom I every spoke UCS. About a year ago, the owner, Jared something, a short and fat and more importantly disgusting man, decided circumventing for $20K based on contract stipulations was worth the relationship. Bad decision as their replacement firm made six figures on my referrals, more than UCS ever made as 2019 was the year my company scaled without using the highly unethical tactics this firm uses to satisfy their greed. Business owners - call OnDeck or Kabbage directly as they will only send you their for $25K!

4 years ago

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Reply from United Capital Source

Dear Mr. Dur, We have over 1250+ 5 star reviews on the web as a whole which is a much better indicator than this review. We're sorry the relationship wasn't a good fit and are glad to hear you're doing well!

Mar. 13th, 2020

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Tiffany Bloomfield, CT

They really don't deserve 1 star but had to in order to write this review. Absolute waste of time dealing with this company. They had a rep call and went over my financial info etc and at the end of conversation said I'm good to proceed and he'd be sending over the paperwork. I waited 2 days and nothing in my email so I called and was told by said agent that he was waiting for me to send addtl bank statements! At no point did he mention this in or previous conversation! Silly me, I went ahead and send 3 more months of statements on top of the 3 I initially sent... things again went silent. Again I followed up and agent said now they want MTD statement.. really??? So this is where I stopped because now my frustration is through the roof! What a waste! Definitely not meant for people doing business.. it's been almost 2 weeks and they claim 'fast approval' 'fast funding'... absolute crap! STAY AWAY and don't get drawn in only to waste your time!

5 years ago

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Reply from United Capital Source

Hi Tiffany and thank you for sharing your feedback . Often times lenders ask for additional documents in order to underwrite a file. This is completely out of our control and we wish they would ask us for everything in one shot so we wouldn't have to continuously ask you for other things, but again this is out of our control. Either way we hope you found the funding you needed elsewhere and wish you all the best!

Mar. 13th, 2020

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Anastasia Rothstein Torrance, CA

The company is nothing more than an average at best broker. Processes are not efficient as they simply send the company's documents to several lenders hoping one will make an offer in which UCS can maximize their profit. They claim they work with most products in the secondary lending market but when I asked about factoring the owner replied with "Yes, we like factories". Perhaps Jared should focus on education in addition to weight loss. One good thing about them is....well nothing really

2 years ago

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Reply from United Capital Source

This review is fake, there is no record of Anastasia Rothstein in our system and Jared would never respond jokingly to a client asking about any financial program. Jared is also the CEO of the company and does not handle calls from new clients. This is most likely a competitor slamming Jared and UCS.

Jul. 27th, 2021

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Christine Ackal Youngsville, LA

They guaranteed no upfront fees. I received a contract and it contained $5000 in upfront fees. When asked they said they would waive them but instead increased my payment by $832/month for 14 months. Very unprofessional, breech of confidentiality to my coworker, untruthful, scammers, excessive calling and harassment by Mike Brooks. Later denied affiliation with Mike Brooks.

6 years ago

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Reply from United Capital Source

Hi Christine, we're sorry that you had a bad experience with us. We did make efforts to contact you to fix things but you shut us down when we tried to explain things. We hope you've found the funding you needed and wish you all the best!

Mar. 13th, 2020


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Lee Ann DeFee

Horrible rates ...we got taken advantage of

3 years ago

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Reply from United Capital Source

Hi Lee Ann, we're very sorry that you feel that way. However, your business took financing several times from us so we're confused as to why you'd continue to keep working with us if the terms weren't to your liking. Our rates are a direct reflection of your business history and credit, we do not have a one size fits all product. We have products that have very low rates and some that are very high rates in comparison, but again they are all a reflection of your business history. We appreciate your business and hope you find a better program suited to your business needs elsewhere.

Apr. 3rd, 2020