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Business Financing That Moves With You

Fuel Your Business Vision Today

From $10K to $5M, we fund the ambitions of real businesses with speed, transparency, and terms that make sense.

$500M+
Capital Funded
10,000+
Businesses Served
Since 2015
Trusted Partner
24 Hrs
Average Decision Time
Financing Solutions

Funding Designed for Every Stage of Growth

Whether you need working capital, equipment, or long-term expansion funding, we match the right product to your business.

Professional reviewing term loan documents
Most Popular

Term Loans

Predictable payments with fixed rates. Ideal for expansion, renovations, or large purchases.

$25K – $5M  ·  1 – 5 year terms
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Small business owner managing cash flow

Business Lines of Credit

Draw funds when you need them, pay interest only on what you use. Perfect for managing cash flow.

$10K – $1M  ·  Revolving access
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Business partners discussing SBA loan options
Low Rates

SBA Loans

Government-backed loans with competitive rates and extended terms for qualified businesses.

$50K – $5M  ·  Up to 25 year terms
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Construction equipment purchased with financing

Equipment Financing

Acquire the machinery, vehicles, or technology your business needs — the equipment itself serves as collateral.

$10K – $3M  ·  2 – 7 year terms
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Invoices being processed for factoring
Fast Funding

Invoice Factoring

Turn unpaid invoices into immediate working capital. Stop waiting 30, 60, or 90 days for customers to pay.

Up to 95%  ·  Advance on invoice value
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Retail business funded by merchant cash advance

Merchant Cash Advance

Receive a lump sum based on future sales, with flexible repayment tied to your daily revenue.

$10K – $500K  ·  Flexible repayment
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Business growth analytics and revenue-based financing

Revenue-Based Financing

Repay as a fixed percentage of monthly revenue — payments flex with your business performance.

$25K – $2M  ·  6 – 24 month terms
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Commercial real estate building financed by Unity Capital

Commercial Real Estate

Purchase, refinance, or renovate commercial property with long-term, competitive financing structures.

$100K – $5M  ·  Up to 25 year terms
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Industries We Serve

We Know Your Industry

Our advisors have deep experience across the sectors that drive the American economy.

Restaurant interior with diners
Restaurants & Food Service
Construction site with workers
Construction & Contracting
Healthcare professional in medical office
Healthcare & Medical
Retail storefront with products displayed
Retail & E-Commerce
Trucking fleet on highway
Trucking & Transportation
Manufacturing facility floor
Manufacturing
Professional services meeting
Professional Services
Auto repair shop with technician
Auto Repair & Dealerships
Client Stories

Real Businesses, Real Results

Unity Capital funded our $250K equipment loan in just three days. That speed let us land a major contract we would have lost otherwise. Their team understood the urgency.

Marcus Johnson
Marcus Johnson
JM Concrete & Paving · Oakland, CA

After two banks turned us down, Unity Capital approved our $175K line of credit within 48 hours. We use it to bridge gaps between catering contracts. It's been a lifeline.

Diana Reyes
Diana Reyes
Sabor Catering Group · San Jose, CA

They helped us structure a $400K SBA loan to open our second clinic. The terms were far better than anything else we found. Our advisor walked us through every step.

Dr. James Whitfield
Dr. James Whitfield
Bay Area Family Dental · San Francisco, CA
Why Unity Capital

Built Around the Way You Do Business

Business team working efficiently to process funding applications

Funding on Your Timeline

Most businesses can't afford to wait weeks for a bank decision. Our streamlined process delivers approvals in as little as 24 hours, with funds in your account within one to three business days. We move fast because your opportunities won't wait.

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Financial advisor explaining transparent loan terms to a client

No Surprises, No Hidden Fees

Every rate, fee, and repayment schedule is laid out before you sign anything. We believe the best financial relationships are built on clarity — not fine print. You'll know exactly what your capital costs from day one.

Advisor shaking hands with a small business owner

A Real Person in Your Corner

You'll work with a dedicated funding advisor who knows your industry, understands your goals, and is available when you need them. No call centers, no ticket queues — just a direct line to someone invested in your success.

Diverse business owners representing flexible financing solutions

Tailored to Your Business

Cookie-cutter financing doesn't work for unique businesses. We offer multiple products and custom structures that adapt to your revenue cycle, industry, and growth stage. Whether you need $10K or $5M, we find the right fit.

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Common Questions

Frequently Asked Questions

Most of our programs require a minimum of 6 months in business, at least $10,000 in monthly revenue, and a personal credit score of 550 or above. Some products, like SBA loans, may have additional requirements. We'll guide you to the best option for your situation.

Yes. While credit is one factor we consider, we also look at your business revenue, time in operation, and overall financial health. Many of our clients have been approved with credit scores that traditional banks wouldn't consider.

For most products, you may receive an approval decision within 24 hours of completing your application. Funds are typically deposited within one to three business days after approval. SBA loans and commercial real estate financing may take longer due to underwriting requirements.

For most applications, you'll need three to six months of business bank statements, a valid government-issued ID, and basic business information. Some products may require tax returns or financial statements. Your advisor will let you know exactly what's needed.

Repayment depends on the product. Term loans have fixed monthly or weekly payments. Lines of credit charge interest only on the amount drawn. Revenue-based options and merchant cash advances adjust with your sales volume. We'll match you with a structure that fits your cash flow.

Banks often take weeks to process applications and have rigid qualification standards. We offer faster decisions, more flexible criteria, and a wider range of products. You still get competitive rates — without the bureaucracy or month-long wait.

Our initial application uses a soft credit pull, which does not impact your credit score. A hard inquiry may occur only after you accept a formal offer and move forward with funding.

In most cases, yes. Working capital, payroll, inventory, equipment, marketing, renovations, hiring — it's your business and your decision. Equipment financing and commercial real estate loans are tied to specific assets, but general-purpose products give you full flexibility.

Modern office environment representing business growth

Ready to Fund Your Next Chapter?

Apply in minutes. Get a decision in hours. Access capital that moves as fast as your ambition.

Apply Now (415) 583-0194
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