About Unity Capital Co.
Capital That Believes in Your Business
We exist to give growing businesses access to the funding, speed, and respect they deserve — but rarely get from traditional banks.
We exist to give growing businesses access to the funding, speed, and respect they deserve — but rarely get from traditional banks.
Too many strong businesses get overlooked by banks. The application takes weeks, the criteria are rigid, and the process feels designed for institutions — not entrepreneurs. We founded Unity Capital Co. in 2015 to change that equation. Our mission is simple: connect business owners with the capital they need, on terms they can understand, at a speed that matches the pace of real business. We've since funded over $500 million to more than 10,000 businesses across every major industry, and we're just getting started.
Three commitments guide every decision we make and every dollar we fund.
Every rate, every fee, every repayment obligation is presented to you clearly before you sign a single document. We don't bury costs in fine print or use confusing financial jargon. You'll understand exactly what your capital costs, how your payments are structured, and what happens at every stage. If a product isn't the right fit, we'll tell you — even if it means sending you somewhere else. Trust isn't a marketing strategy for us. It's the foundation of everything we do.
A new contract, a broken piece of equipment, a sudden inventory opportunity — business doesn't wait for banks to process paperwork. Our underwriting team delivers approval decisions in as little as 24 hours, and most funded clients have capital in their account within one to three business days. We invested heavily in our review process so you don't have to invest your time waiting. When your business needs to move, we're ready.
We don't disappear after funding. Your dedicated advisor stays with you for the life of your relationship with Unity Capital — helping you plan for growth, adjust financing as your needs change, and access additional capital when the time is right. Many of our clients have come back for second and third rounds of funding because they trust the person on the other end of the phone. That's the kind of relationship we're building.
We do what's right for the client, even when a different decision would be more profitable for us.
Every term, rate, and condition should be understandable to a business owner — not just a financial analyst.
We move fast on every application, but never cut corners on due diligence or responsible lending practices.
We measure success by long-term client partnerships, not the number of deals closed this quarter.
Great businesses come from every industry, background, and credit profile. We evaluate the whole picture.
We refine our products, processes, and team skills constantly to serve our clients better every year.
Our team brings together decades of experience spanning commercial banking, alternative lending, small business advisory, and financial technology. But what sets us apart isn't just credentials — it's culture. Every person at Unity Capital joined because they care about helping business owners succeed.
From our funding advisors in San Francisco to our underwriting specialists and client support team, you'll find people who listen carefully, communicate clearly, and treat your business goals as seriously as their own.
"We built a team that we'd want to work with ourselves — people who are smart, honest, and genuinely excited about helping businesses grow."
— Unity Capital Co. Leadership Team
Unity Capital Co. was founded in San Francisco's financial district and remains headquartered at 1870 Market Street. The Bay Area's entrepreneurial energy inspired our founding — and continues to shape how we think about business growth and innovation.
While our roots are in Northern California, we serve business owners in all 50 states. No matter where your business operates, you'll receive the same dedicated service, competitive terms, and fast funding that our local clients have relied on for nearly a decade.
Join the thousands of business owners who trust Unity Capital Co. to fund what matters. Apply today or speak with a funding advisor.