United Capital Source Review: Legit Business Lending

What makes United Capital Source shine?

United Capital Source is unique because it offers access to 75 lenders with multiple financing options to choose from. You can also get expert guidance from an account executive so you feel confident about your application process. If you’re looking for quick funding, you’ll be happy to know that some lenders in the UCS network offer approval and funding in as little as 24 hours.

Additionally, United Capital Source has a 5-star rating on Google and Trustpilot, with over 1,250 reviews combined. They are also accredited by the Better Business Bureau (BBB) with an A+ rating.

Where United Capital Source falls short

Lenders in the United Capital Source network do not offer funding to startups, so if you’re just getting started you may try business lenders that offer startup loans. Plus, some of its loansrequire a weekly or daily repayment plan. And, since you’re working with a marketplace, your actual loan experience will vary depending on the lender you choose.

United Capital Source loan details

How to qualify for United Capital Source

United Capital Source discloses only basic eligibility requirements for business loans.

• Minimum credit score of 550
• Must provide documentation for at least three months of sales history

How to apply

1. Apply online. The online application should only take a few minutes, and you can call UCS if you need help.
2. Get expert guidance from an account executive. If you need help choosing the best option, you can get expert guidance — something not all marketplaces offer.
3. Choose terms that work best for your business. Once you’ve compared your options, it’s time to choose the best fit for your situation.
4. Finalize your application. After you read over your terms, finalize your application and receive funds from your lender.

How United Capital Source compares to other lenders

1 - 6 of 6

Updated regularly

Product USFBL	Finder Score	Min. Amount	Max. Amount	APR	Requirements
Olympus Business Capital	Finder score 9 Excellent	$500	$250,000	Not stated	Been in business for 6 months registered with the state, active and open bank account in business name, have $10,000 of revenue each month	No credit needed. Funding up to $250,000 with a variety of finance options to best fit your business needs.	Go to site Compare	loading Fetching your data...
Lendio business loans	Finder score 9.6 Excellent	$1,000	$10,000,000	Varies by lender	Operate business in US or Canada for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteMore Info Compare	loading Fetching your data...
Fundera business loans	Finder score 8.6 Great	$2,500	$5,000,000	Varies based on lenders	$60,000+ of annual revenue, 550+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteMore Info Compare	loading Fetching your data...
Fora Financial business loans	Finder score 8.8 Great	$5,000	$1,500,000	Varies	6+ months in business, $25,000+ gross monthly sales, no open bankruptcies	Get qualified for funding in minutes for up to $1,500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.	Go to siteMore Info Compare	loading Fetching your data...
National Funding business loans	Finder score 9.6 Excellent	$5,000	$500,000	Undisclosed	In business 6+ months and make at least $250,000 in annual sales. Other loan types have additional requirements.	Working capital loans and equipment financing, some high-risk industries may be eligible.	Go to site Compare	loading Fetching your data...
American Express® Business Line of Credit	Finder score 8 Great	$2,000	$250,000	N/A	Minimum FICO score of at least 660 at the time of application, have started your business at least a year ago, and an average monthly revenue of at least $3,000	Access lines of credit for your small business even if you aren't currently an Amex customer.	Go to siteMore Info Compare	loading Fetching your data...

loading

United Capital Source reviews and complaints

We see a clear contradiction between the BBB and Trustpilot. The BBB features only two customer reviews, both of which are complaints. On the other hand, Trustpilot features over 1,000 reviews, with 96% of them being 5-star reviews.

Some customers have mentioned that United Capital Source provided inaccurate pre-approved loan amounts. However, these instances represent an inaccurate picture of United Capital Source as a whole, considering 1- to 4-star reviews each make up less than 4% of the total reviews on Trustpilot.

On the positive side, customers frequently praise United Capital Source for its excellent customer service, smooth application process and satisfactory funding options tailored to their business needs.

Is United Capital Source legit?

United Capital Source is a legit lender offering a wide variety of business financing options. The only red flag is its rating of 1 out of 5 stars on the BBB. Otherwise, it currently scores an A+ on the BBB and has consistent positive reviews on Google and Trustpilot

Frequently asked questions

Can I apply if I already have a business loan?

United Capital Source encourages you to apply no matter your current situation because its network of lenders offers several financing options that cater to businesses in different situations.

Can I get funding if I’m a minority owner in the business?

United Capital Source’s network of lenders requires at least 51% ownership to close on a deal.

Is there a fee if I pay early and close my account?

UCS claims it often works with the lender to provide a discount when you pay early.