Our Unique Approval Process
Our decision to finance a customer is done internally
and is determined by these unique key points:

The 3 C’s

heavy equipment construction financing
Credit
Universal will run a credit report on all applicants but your credit score is just one piece of the puzzle.

We make decisions not only by what is on paper but who the customer is whether you have A Credit or D Credit.

heavy equipment construction financing
Collateral
Together, we’ll look at the equipment you currently own or intend to purchase to make sure there is enough equity in the loan.

We will develop a plan to use your equity to get you the money you need.

Construction Finance Based on Character
Character
We get it, life happens and we want to hear your story. We want to learn about you, your business and the attributes that make up your character. Our unique approach sets Universal apart from others!

We’d Love To Work With You!
We are a family run business looking to work with you.
Get started with us today.