Efficiency. Growth. Profitability.
Starts here. Starts today.
What We Do
Financing Made Simple.
Equipment. Vehicles. Working Capital. And Much More.
Union Capital Associates is a capital equipment and commercial finance company with over 50 years of expertise. Our proven techniques have resulted in an Unparalleled Capital Acquisition experience for thousands of companies across all industries and professions. Our same day process allows you to quickly acquire the new and used equipment or working capital to efficiently meet your business' needs.
Our flexible business financing programs allows virtually all credit ratings to achieve their funding goals. If your business is large or small or somewhere in between, our funding proficiency will ensure that your bottom-line is our top priority.
Union Capital Associates' services are a comprehensive solution. Whether you are acquiring equipment or capital for your business or a vendor that requires a staff to support your client's financing requirements we have a cost-effective resolution for you.
Our Services
A comprehensive funding solution.
Equipment and Vehicle Financing
You may Finance or Lease New or Used Equipment or Vehicles and you may acquire them from a Dealer, a Private Party or from an Auction.
- Finance or lease structures
- Dealer, private party, or auction
- Virtually any type of equipment
Working Capital
You may acquire Working Capital via Secured, Unsecured, PO, A/R, or Merchant Cash Advance.
- Secured and unsecured programs
- Purchase order and A/R financing
- Merchant cash advance
Vendor Services
Close More Sales Through Convenient and Inexpensive Finance Options.
- Preferred pricing and payment terms
- We handle credits, approvals, and paperwork
- Programs for federal agencies and municipalities
Finance Options
Structures for every balance sheet.
From a one-page application to $25M commercial facilities — we structure financing around your cash flow, tax position, and growth plan.
Application Only Transaction
Our “application only” program allows the client to borrow amounts of up to $750,000 for Equipment and vehicles with the only requirement being the completion of a one page application. Credit decisions typically occur within hours. Working Capital funding is also available.
Commercial Leases & Loans
Leases and loans from $150,000 to $25,000,000. Aggressive pricing available; this program provides for some of the lowest rates available anywhere in the industry. Documentation includes two years of audited/reviewed financials and corporate tax returns.
Capital Lease — $1 Buyout, E.F.A., or Bargain Purchase
These options combine low fixed monthly payments with the guaranteed right to purchase the equipment at the conclusion of the term at a predetermined price. Ideal for equipment that retains value.
Fair Market Value (FMV) Lease
FMV leases provide for greater flexibility and lower monthly payments than the standard capital lease format. Options include predetermined purchase price ceilings and potential True Operating Lease tax benefits.
Deferred Payments
Initial payments defer 60–120 days to accommodate cash flow needs while your new equipment or capital goes to work.
Seasonally Adjusted or Skip Payments
Payments adjust for seasonal revenue fluctuations, so your financing schedule matches the rhythm of your business.
Step Payments
Payments are “stepped up” (increased in amount) or “stepped down” (decreased in amount) based on anticipated cash flow patterns.
TRAC Leases
Vehicle-specific leases with predetermined end-of-lease valuations, allowing lower monthly payments and flexible end-of-term options.
The Process
Same-day funding. No pre-payment penalty.
Complete a One-Page Application
Our application only program allows qualifying clients to borrow up to $750,000 with nothing more than a one-page form.
Approval Within Hours
Credit decisions typically occur within just a few hours. Our team works the file immediately on submission.
Funding Almost Immediately
Funding happens almost immediately after your verbal acceptance, so you can get to work on growing your business.
Recently Funded Transactions
Real deals. Real businesses.
- $40,000Working capital for excavation expansion
- $87,500Rental equipment for medical leasing
- $71,000Portable restrooms + pump truck for a waste company
- $60,000Display cases and coolers for a cheese boutique
- $85,000Dryers, compressors, software, and printing equipment for a screen printer
- $46,000Street sweeper for a municipally contracted company
- $140,000Amusement rides and games
- $50,000Used wrecker and brake lathe for an auto repair shop
Over the years as my industry and the marketplace has changed my business needed to adapt in order to stay ahead of the curve. Union Capital Associates was there with me every step of the way with a quick and easy funding process.
Frequently Asked Questions
What business owners ask us.
What are your current rates?+
Rates are determined by a number of factors including the credit rating of the business and/or principal(s) as well as the type of equipment being financed. We serve businesses from start-ups to Fortune 500 companies, and our rates are typically 150 to 200 basis points lower than our competition.
How quick is your process?+
We can provide up to $150,000 with a one-page form. Approvals typically arrive within just a few hours, with funding almost immediately after your verbal acceptance.
How much financing can I obtain?+
Businesses can finance up to $150,000 with a one-page form, or up to $25,000,000 with a qualifying financial package.
Is there a pre-payment penalty?+
There is no pre-payment penalty associated with any of our lease or loan products.
Will financing with us affect my personal credit?+
None of our loan or lease products will affect your personal credit.
Are payments a tax write-off?+
Typically, the IRS will allow you to write off 100% of your lease payment on a True Lease or FMV Lease, and Tax Code 179 provisions may apply. Consult your tax advisor for specifics.
Get Started
Your account, established today.
Get started on acquiring the capital you need and we will have your account established today.
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