The success of a small business can be tied directly to their ability to access working capital. You simply cannot grow a business without capital. The UBF provides fast access to working capital.

We have spent years researching what thousands of lenders and vendors require before granting an approval. Constant research is how we get the results you need. With our extensive database of lenders approval underwriting guidelines, your UBF applications will be placed with the very best chances of gaining significant approvals.

Once a principal in your business has been pre-qualified for the UBF program, the funding success rate is 95% with an average of $80,000 approved in the first 30 days. We do not stop there, after 6 to 12 months the average is more than $120,000 in unsecured business funding.

Our Unsecured Business Funding (UBF) program is no docs, stated income, 100% success based, and will result in at least $25,000 in approved credit or there is no charge. There is no contest!

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  • FICO driven 700+: funding range $25,000 to $150,000
  • No business age requirement
  • No upfront fees
  • 0% Introductory Rates for a minimum of 12 months
  • No collateral needed
  • No doc line of credit
  • No hidden costs or fees
  • Multiple principles accepted
  • Rapid funding process (as little as 2-3 weeks)
  • We have researched the lenders most likely to approve credit on the very best terms.
  • The initial approvals are no docs; no tax returns, no financials, no bank statements, etc.
  • It is a 100% unsecured program. No assets are required or get tied up in the funding.
  • The program is stated income and personal credit report approval decision driven.
  • 720 FICO Scores. Very often we can raise scores quickly to get you there.
  • No more than one 30 day late on any account in the past two years.
  • No open collection accounts. We have high rate of removing closed collections.
  • No Bankruptcies still reporting on any of the three personal credit files.
  • 45% or lower debt to limit ratios on open revolving credit accounts.
  • At least 1 revolving $5,000+ limit account open for at least 3 years.
  • No open liens or judgments. Accounts on reports must be paid.
  • Low recent inquiries. No more than 4 per credit agency for the previous 6 months.



Step 1

UBF Funding Range Report


Step 2

Client Specific Funding Research


Step 3

Individualized Funding Process


Step 4

Credit Utilization and Liquidation


Step 5

Business Finance and Credit Building System


Facts about optimizing your credit card approvals and limits.

If you apply on your own and fail or mess it up, then no one can help you for at least a year and sometimes two.

There are over 200 companies, banks, and credit unions offering credit cards.

Some are Prime, some are Sub-Prime, and some are Niche Specific. Prime are national lenders that are offering the highest approval amounts ($15k to $30k), the longest 0% interest terms (18 to 21 months), the lowest interest rates thereafter (9 to 11%) and that only check one (1) credit reporting agency in order to make their approval. Sub-Prime are national lenders who offer lower approval conditions but who have shorter 0% interest terms (9 to 12 months), much higher interest rates thereafter (21 to 29%), and who will do a hard credit inquiry pull with all three (3) credit reporting agencies. Niche Specific lenders will only lend to specific groups or in specific areas. This means that by applying with the wrong lenders you will be costing yourself many thousands of dollars in lower approval amounts, shorter interest free periods, higher interest rates, and more declines. Do you know which lenders are Prime, Sub-Prime, or Niche Specific? We do.

Prime lenders will not approval behind sub-prime or niche specific.

Most Prime lenders that would have approved you, will decline you if they see sub-prime or niche specific credit card inquiries in front of theirs within the prior six (6) months. This means that if you apply on you own, in the wrong order, you will get yourself declined and waste valuable approvals and create unnecessary inquiries. Do you know the correct order to apply with over 200 credit card lenders? We do.

There is a vast difference between the types of credit card lenders.

Some banks and credit unions are not credit card focused lenders. This means that credit cards are not a primary revenue focus of their lending portfolios. These lenders typically have only a few credit card offerings (3 or 4) and are much more selective about their approvals. While other lenders have credit cards as their major focus and source of revenue therefore they offer as many as 20 to 30 different credit card offerings. Whether credit cards are their primary source of revenue or not these lenders have one thing in common, they sell their credit card portfolios in the secondary markets. This means that each credit card issued has to fit into a certain portfolio and therefore all the credit card holders (you) in that portfolio need to be of similar type. With 200 companies, banks, and credit unions offering somewhere between 3 and 30 credit cards each, do you have any clue which portfolio groups you fit into? We do.

Credit card lenders want you to have multiple cards with them

Most credit card lenders will approve you for up to a maximum of four (4) of their credit cards and they want you to have multiple cards with them. Almost all credit card lenders want your personal credit card business first. This means that if you apply for a business credit card with a Lender before you get approved for their personal card, your approval amount on the business card will be about half what you could have gotten approved for if you would have only known how to do it. Do you know which lenders will double your business credit card approval limit just for having one of their personal credit cards first? We do.


After you have successfully funded your first UBF, you gain access to the “Business Finance and Credit Building System”.

This system has helped over 500,000 businesses to build strong business scores that are separate from their personal credit scores.

The system is designed to help businesses stand on their own to obtain future financing, know where to obtain that financing, and know what is required to be approved.