Industries We Serve
From commercial ovens to dishwashers to ice making machines, Universal Finance can help you find the equipment you need and provide you with the loan that is needed to purchase them. Universal Finance provides a dedicated, single point of contact for restaurant owners to obtain the equipment and working capital loans they need to run their businesses.
Universal’s extensive experience in asset-based lending for restaurants gives us a unique edge when relating to our small business customers. In some cases, Universal Finance may travel to meet new customers to gain a better understanding of their operation and to look over their food service equipment inventory.
As an experienced provider of collateral loans for restaurants, we understand the economy and appreciate the financial ebbs and flows that impact the food service industry. Universal’s decision to provide a loan to a customer is determined by the “Three C’s – Credit, Collateral, and Character.” Unlike a traditional bank, our decisions are based on more than just how a business looks on paper. We develop a complete understanding about who the customer is and what they have to offer. This approach solidifies our relationship with the companies that have secured commercial financing from us over the years.
The foundation of our business is built on client relationships, convenient financing, and fast turnaround. By working closely with our customers to understand their needs, we possess the unique ability to provide borrowers with the funds they need to purchase restaurant equipment and obtain working capital. Our customers never have to wait long for an answer, and we work diligently to provide them with funding as quickly as possible.
At Universal Finance, it’s our belief that a business shouldn’t suffer because of under-funding. Many businesses fail due to insufficient funding or capital to support their operations. We will work with customers to develop a plan to obtain the financing they need.