How We Check Every Deal. What We Look at Before We Put Money In
The First Thing We Check
The first thing we look at is the average daily balance in the business bank account. That number tells us whether the business actually keeps cash or just moves it through.
A business can show strong deposits and still spend more than it collects. If the balance does not support the payments the business owes, we pass.
What We Actually Say Yes To
Every file we see has already been approved. We still reject 90%.
Has the Business Done This Before
We look for businesses that have already done this at least once and paid on time. If the funder came back and funded them again, that tells us something. That is the strongest signal we have.
Do the Bank Statements Add Up
We go through bank statements line by line. We look for days where the balance went negative, deposits that do not follow a normal pattern, and anything that does not add up.
How Fast Does the Money Come Back
We want deals that pay back in 6 to 9 months. The faster the money comes back, the less time we are tied to any one business. We do not sit in long deals.
What We Say No To
Files arrive pre-approved. That does not make them ours.
New businesses with no track record. Businesses that spend more than they bring in. Businesses already paying back multiple funders at the same time.
Deals where the price does not match the risk. Strong revenue with no cash in the bank. A funder's yes is not our yes. We do not bend the rules to fill a position.
We Have a Legal Claim on Every Deal
Every deal UBC is in has a legal claim filed against the business and its future payments under UCC Article 9. The funder files that claim on public record. UBC holds a direct ownership position in the receivable alongside them.