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Small business loans are perfect for healthy businesses with a steady revenue. Our business loan programs provide speed, simplicity and versatility to meet the funding needs of any business.
Whether your business is growing or facing a challenge, you need cash to cover the expenses. Finding the best business loan options give you the resources you need to pursue opportunities or solve problems. Unlike selling equity, getting a business loan allows you to maintain business ownership, profits and full control. There are countless business loans available on the market today, but to truly invest in your future, you need the right one. Apply in fast, simple, easy and doesn't affect your credit score.
Why Cash-Flow is Important - And Most Businesses Need a Boost
Cash flow is like the oxygen of your business, and small business loans are a great way to get more of it.
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When cash flows smoothly, you can cover all of the essential expenses in your business, including payroll, operating costs and other bills. More importantly though, positive cash flow allows you to pursue new growth and expansion opportunities in your business.
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At some point, all businesses face cash flow challenges like seasonal slowdowns and late-paying customers. Business credit cards and personal loans generally don’t provide enough cash to accomplish what you need to. You could find yourself in a situation where you’re struggling to:
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Pay your employees
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Hire new workers
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Pay for inventory
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Manage office rent or mortgage payments
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Pay for supplies
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Finance operating costs
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Cover utility expenses
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Pay taxes
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When you’re set on growing your business, it’s important to have enough working capital to stay ahead of the competition and not fall behind.
How to Use Business Financing to Grow Your Business Easier & Faster
Every owner wants to grow their business, but doing so requires money.
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The only ways you can grow your business are reinvesting profits, raising equity, or using small business loans (or another business financing option).
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At first glance, reinvesting your profits is the cheapest option. But with working capital covering every cost, it can take years for you to reach your goal.
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Utilizing small business loans for startups and other types of businesses can actually be more profitable for your business in the long run. You can obtain cash to cover all growth-related expenses right away, putting you on track to boost revenue as soon as possible.
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Here are some of the ways financing can help your business.
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Grow Your Business
Financing gives you access to the cash you need to fast-track projects and scale your business. You can use funding to open a new location, hire new employees, invest in marketing campaigns, upgrade internal processes, and much more.
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Cover Expenses
If you’re unable to meet your business’s day-to-day expenses, you could find yourself in a situation where your goals are being side-tracked, or at worst, having to close your doors. When cash flow gets tight, financing can help you cover your most critical expenses like payroll, utilities, supplies, inventory, travel costs, and more.
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Have Extra Cash On Hand
Any business owner knows that there’s always a chance the unforeseeable can happen. You could find yourself stuck with an unexpected expense or even presented with a fast-paced opportunity. In either case, additional access to capital will keep you prepared for whatever happens.
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Buy Inventory
Retail businesses are well-aware of the issues that can arise out of delayed inventory, including revenue loss and poor customer experience. Stocking up on supplies early can help you mitigate potential problems and prepare for busy seasons beforehand.
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Weather Seasonal Slumps
Many industries experience slow seasons. It can be challenging to navigate operating expenses and make preparations when your cash flow is tight. Financing can help you weather the storm now while also giving you the means to put plans into place for the upcoming busy season.
The Flexibility You Want
One of the best advantages of our loans is flexibility. You can use your funds for just about any business need or expense you have. After all, the funds are yours, and we think you should use them however you want. That said, it is a good idea to only take out a loan for important things for your business.​ Also, it is worth nothing that paying back your loan on time might boost your credit score. A higher credit rating can lead to more considerable borrowing power and lower interest rates in the future.
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Now that you know how easy it is to get a business loan from Union Commercial Capital, take a moment to complete and submit your business loan application. One of our knowledgeable funding specialists will contact you promptly to discuss your company's needs and answer any questions you have. If you then choose to move forward with Union Commercial Capital and your loan is approved, you won't have to wait long to received your cash. We provide our customers with funds in seven days or less. Union Commercial Capital has helped thousands of businesses secure the cash they need, know you are working with a company will do everything we can to get you that cash your business needs.
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A Simplified Funding Process
1) Submit an Application
You can apply for any of our financing solutions in just minutes.
2) The Underwriting Process
Our streamlined process allows us to provide you with a decision right away. You won’t wait long to find out how much you might qualify for.
3) Get Funding Fast
Once approved, you’ll get your funds quickly. We have one of the fastest funding processes in the industry for each financing product we offer.
Get the lowest rates on Small Business Loans, Fast & Easy Approvals
At Union Commercial Capital, we understand no two businesses are the same. That's why we look at each scenario individually to ensure that our clients get the financing that fits with their business goals and needs. By looking at each business individually, we can help approve many more small business loans than our competitors.
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With our hands on process, we get a large percentage of our business loan applications approved and can get our client significantly more capital. It only takes a few minutes to apply and less than 24 hours for approval.
