Institutional Sourcing & Underwriting Infrastructure
Ultimate Business Capital (UBC) provides proprietary sourcing and administrative infrastructure for institutional participants and professional buyers operating in the secondary market for commercial receivables.
We support the acquisition of specifically identified commercial receivables and payment intangibles through a disciplined, data-driven sourcing process designed for speed, precision, and operational clarity.
UBC operates exclusively as a technical services provider, delivering sourcing intelligence and administrative coordination for buyers acquiring assets directly in their own name or through buyer-designated entities
Sourcing Capabilities
UBC functions as a technical bridge between established funding platforms and sophisticated commercial buyers. Our service-based model includes:
Deal Screening: We filter opportunities against buyer-specified parameters, including industry exposure, factor structure, duration, and collateral profile, surfacing assets that match stated requirements.
Wholesale Market Access: Through long-standing relationships with established originators, we identify commercial assets that are often unavailable through retail or publicly marketed channels.
Each transaction involves the purchase of a specifically identified commercial receivable or payment intangible in its entirety, with ownership transferring directly between buyer and seller.
Administrative & Clerical Support
To maintain operational efficiency and protect proprietary sourcing strategies, UBC provides limited, non-discretionary administrative support following asset identification.
Documentation Coordination: We coordinate clerical documentation and administrative communications related to asset transfers.
Privacy & Identity Shielding: Our administrative role helps preserve buyer anonymity with originators, reducing the risk of circumvention and protecting sourcing relationships.
Performance Data Reporting: We provide standardized, non-interpretive performance data reporting for assets owned by the buyer.
UBC does not service assets, manage collections, or exercise control over buyer funds or assets.
Engagement Standards
Engagements are restricted to institutional participants and commercial entities transacting in aggregate tranches of $1,000,000 or greater.
Buyers must demonstrate independent capability to evaluate commercial asset purchases.
Fee Structure
UBC's compensation is strictly service-based and non-contingent.
Sourcing Fee: A fixed, flat fee per sourcing engagement, not contingent on asset performance, yield, resale value, or ongoing cash flows.
Administrative Fee: A flat monthly fee for clerical coordination and standardized data reporting.
UBC does not charge profit participation, carried interest, or asset management fees.
Legal Notice
Ultimate Business Capital operates as a technical sourcing and administrative services provider. UBC does not act as a broker-dealer, investment adviser, or asset manager; does not solicit investments; and does not operate pooled investment vehicles. UBC does not provide investment advice or discretionary management.
Transactions facilitated by UBC involve the absolute assignment of payment intangibles under UCC Article 9 and are exempt from state-level commercial financing disclosure mandates due to institutional transaction size thresholds, including but not limited to: California (SB 1235 / SB 362), Texas (HB 700), Utah (CFRDA), Virginia (Va. Code § 6.2-2228), Florida (Fla. Stat. § 559.961), Georgia (SB 90), Kansas (SB 345), and Connecticut (PA 23-201).