We acquire short-duration, collateralized business receivables. By targeting the gap in small business credit, we identify institutional-grade commercial receivables.
CORE PILLARS
The Underwriting Framework
Credit Standards
We only acquire Prime Credit. Every asset is backed by a business owner with a verified repayment history. No subprime. No distressed debt.
Security Position
Every asset is collateralized by future receivables with a perfected UCC filing. We enforce collateral rights and cash flow sweeps across all positions.
Speed of Capital
Assets turn over in 6–9 months. Short duration allows for efficient capital redeployment and rapid adjustment to rate environments.
ALGORITHMIC RISK MANAGEMENT
Ultimate Business Capital uses a proprietary platform to underwrite assets with speed and precision.
Data Driven Selection: We analyze banking data directly to identify the highest-quality credit opportunities.
Zero Fraud Tolerance: Cash flow verification detects anomalies before funding. We only acquire positions in verified, performing businesses.