United Capital Source Review 2026

United Capital Source is a direct funder offering MCAs and business lines of credit. Known for flexible underwriting and quick funding decisions. Works with a wide range of industries including retail, restaurants, and service businesses.

What United Capital Source Offers

United Capital Source provides the following funding products for small and medium-sized businesses:

• Merchant Cash Advance
• Business Line Of Credit
• Term Loan

• Amount: $5,000 - $500,000
• Factor Rates: 1.12 - 1.45
• Funding Time: Same day to 2 business days

United Capital Source Requirements

• Credit Score: 500+ personal credit score
• Time in Business: At least 6 months
• Monthly Revenue: $10,000+ minimum

United Capital Source Pros

• Direct funder (no middleman)
• Flexible underwriting
• Same-day funding available
• Works with various industries

United Capital Source Cons

• Higher revenue minimum
• Factor rates for bad credit can be high
• Not available in all states

Who Should Use United Capital Source?

• Businesses with credit scores of 500 or above
• Companies with at least $10,000 in monthly revenue
• Businesses operating for 6+ months
• Those looking for Merchant Cash Advance or Business Line Of Credit

How to Apply

The application process is straightforward. You can apply directly through United Capital Source or through Velica Capital to compare multiple offers at once with no impact to your credit score.