What United Capital Source does

United Capital Source Inc. (UCS) is a privately held small business funding marketplace founded in 2011 by Jared Weitz and headquartered in Garden City, New York, with a regional office in Pompano Beach, Florida. The company operates a technology-enabled platform that captures a single online application from a business owner and matches that application against a network of 75+ lenders offering SBA loans, business term loans, lines of credit, equipment financing, merchant cash advances, revenue-based financing, invoice/receivables financing, home equity lines of credit, ERTC advances, and corporate card products. UCS positions itself as a hands-on brokerage rather than a lead generator: funding specialists consult directly with applicants via phone, live chat, and self-service web intake, and the firm serves 250+ industry verticals including restaurants, landscaping, medical practices, construction, hotels, retail, and auto repair.

The underlying technology is a multi-lender matching platform with a single-page application intake, multi-lender comparison view, and industry-specific landing pages supported by SEO-optimized content and paid search. The firm has facilitated over $1.6 billion in funding to more than 40,000 businesses since inception and operates across the United States with a dedicated Canada business loans product page. Revenue is generated through referral and brokerage commissions from lenders on funded loans (affiliate/referral economics) rather than balance-sheet lending, with SBA processing times of 4–12 weeks and most alternative products funding within approximately three business days.

Name

United Capital Source

Legal name

United Capital Source Inc.

Website

https://unitedcapitalsource.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

United Capital Source is a privately held small business funding marketplace that matches SMB borrowers with 75+ lenders across SBA, term, and alternative financing products. Founded in 2011, the firm has facilitated over $1.6 billion to 40,000+ U.S. and Canadian businesses.

Ownership category

akta.pro rank

Product category

Small Business Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

akta.pro secondary industries

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Middle-Market Lending (FSANADAI)

Keywords

• Small business lending
• Loan brokerage services
• SBA loan marketplace
• Alternative commercial financing
• Business loan referral

Headquarters

HQ city

Garden City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Loan Brokerage/Referral Fees: United Capital Source operates as a business financing marketplace, facilitating connections between small business borrowers and lenders. The company earns referral fees or commissions from its network of 75+ lenders when loans are funded through its platform. Rather than selling client information like typical lead generation companies, UCS works directly with each applicant to match them with appropriate financing options and structure deals.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

United Capital Source is a small business funding marketplace that connects borrowers with a network of 75+ lenders through a single online application, offering SBA loans, term loans, lines of credit, equipment financing, merchant cash advances, invoice/receivables financing, revenue-based financing, working capital loans, and bad-credit business loans. Funding specialists guide applicants through the matchmaking process to identify appropriate lender programs, with most loans funded within three business days and approval decisions typically issued within 24 hours.

Product overview

United Capital Source is a business funding marketplace that connects small business owners with 75+ lenders through a single application process. The platform offers a comprehensive portfolio of business financing products including Bad Credit Business Loans, Business Lines of Credit, Business Term Loans, Equipment Financing, Invoice/Receivables Financing, Merchant Cash Advances, Revenue-Based Financing, SBA Business Loans, Working Capital Loans, Home Equity Lines of Credit, and ERTC Advances. The marketplace approach allows businesses to compare multiple funding options and receive customized loan structures. Additional services include credit card processing, credit repair, and Canada business loans. The company serves 250+ industries including restaurants, medical practices, construction, hospitality, retail, auto repair, and landscaping.

Differentiator

Problem solved

Functional benefit

Products and services

• Bad Credit Business Loans Business financing designed for entrepreneurs with poor credit history, evaluating business performance rather than relying solely on personal credit scores.
• Business Line of Credit Revolving credit facility allowing businesses to draw funds as needed and pay interest only on amounts drawn, accessible through the UCS lender network.
• Business Loans for Women Specialized business financing options matched to women-owned small businesses through the UCS lender marketplace.
• Business Term Loans Traditional term loans with fixed repayment schedules, sourced from the lender network for established businesses needing $5,000 to $10 million.
• Equipment Financing Financing solutions for purchasing business equipment, machinery, and vehicles, available up to $10 million per piece through UCS lender partners.
• Invoice/Receivables Financing Accounts receivable factoring and invoice financing providing $10,000 to $25 million to improve cash flow by unlocking funds tied up in unpaid invoices.
• Merchant Cash Advance Advance capital of $5,000 to $5 million based on future credit card sales, repaid through a percentage of daily card transactions.
• Revenue-Based Financing Financing of $10,000 to $5 million repaid through a percentage of monthly revenue, designed for businesses with consistent sales.
• SBA Business Loans Small Business Administration-backed loans including 7(a), Express, 504, and Microloan programs, with amounts up to $5.5 million brokered through UCS's SBA-approved lender partners.
• Working Capital Loans Short-term financing to cover day-to-day operational expenses and cash-flow needs, brokered through the UCS lender marketplace.
• Home Equity Line of Credit (HELOC) Credit line secured by home equity offered to business owners seeking alternative collateral-based financing through the UCS network.
• Employee Retention Tax Credit (ERTC) Advance Advance financing against Employee Retention Tax Credits available to eligible businesses through the UCS lender network.
• Landscaping Business Loans Specialized financing for landscaping and lawn care companies, addressing seasonality, equipment needs, and staffing challenges through the UCS lender network.
• Brex Corporate Card Corporate charge card offered through partner Brex, providing high credit limits and rewards for tech startups and venture-backed companies without a personal guarantee.
• Business Credit Cards Business credit card options sourced from the UCS lender marketplace for SMB applicants.
• Credit Card Processing Merchant credit card processing services offered as an additional service to businesses using the UCS platform.
• Credit Repair & Loan Prep Services that help business owners repair credit and prepare their financials for loan applications via the UCS marketplace.
• Canada Business Loans Business loan products brokered to Canadian small businesses via the UCS marketplace.

Quantifiable outcome

• Over $1.6 billion in funding facilitated to 40,000+ small businesses
• +3 more outcomes

Named customers9 records

Segments11 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• BrexcoreGTM or Marketing PartnerUnited Capital Source maintains a partnership with Brex, a corporate card and cash account provider for businesses. UCS features Brex as a recommended lender/product on their website, providing detailed reviews and application guidance for the Brex Corporate Card and Brex Cash account. The partnership allows UCS to offer corporate card solutions to eligible businesses, particularly tech startups and venture-backed companies.
• 75+ Lender NetworkcoreChannel Partner/ Reseller/ DistributorUnited Capital Source partners with over 75 lenders across the United States to provide small business financing options. The lender network includes traditional banks, SBA-approved lenders, and alternative financing providers. This network enables UCS to match borrowers with appropriate products based on their qualifications, industry, and funding needs.
• Small Business Finance AssociationminorStrategic or Co-development PartnerCEO Jared Weitz serves as Broker Council Co-Chairman for the Small Business Finance Association, an industry organization that advocates for expanded access to capital for small businesses nationwide. This involvement provides industry representation and policy advocacy connections.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• National Business Capital: SMB funding marketplace offering SBA, MCA, equipment financing, and term loans through a multi-lender network. Closely mirrors UCS's product mix and SMB broker model.
• Biz2Credit: SMB loan marketplace operating since 2007, connecting businesses with banks and alternative lenders. Comparable in marketplace broker model and SMB target market, with broader institutional lender network.
• Lendio: Leading US small business loan marketplace connecting SMB borrowers with 75+ lenders via a single application. Closest direct competitor to UCS given similar product breadth (SBA, MCA, term loans, lines of credit, equipment financing) and SMB target customer.
• Fundera: Online small business loan marketplace (owned by Goldman Sachs) matching borrowers with bank, SBA, and alternative lenders. Competes head-to-head with UCS in SBA and alternative SMB lending.
• SmartBiz Loans: SBA-focused online loan marketplace for small businesses, streamlining SBA 7(a) and 504 origination. Comparable broker/aggregator model with overlapping SBA loan product emphasis.

Broad incumbents

• LendingTree: Large public loan marketplace covering mortgage, personal, auto, and small business lending. Operates a similar broker/marketplace model at much greater scale, with SMB lending as one of many verticals.
• BlueVine: Online SMB fintech providing lines of credit, invoice factoring, and term loans. Competes with UCS as both a direct lender and a referral partner depending on borrower profile.
• Fundbox: SMB working capital platform offering lines of credit and invoice advances. Adjacent fintech lender that competes for similar SMB working-capital demand and can serve as a lender partner within UCS's network.
• OnDeck Capital: Direct online small business lender offering term loans and lines of credit to SMBs. Represents a direct-lending competitor to UCS's marketplace approach, including for working capital and short-term credit products.

Regional players

• Accion Opportunity Fund: Community Development Financial Institution (CDFI) providing small business loans to underserved borrowers, including women- and minority-owned businesses. Overlaps with UCS's bad-credit and women-owned segments on the supply side rather than as a marketplace broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Capital Source