How We Check Every Deal Before We Commit Capital
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 keeps cash or only 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.
More than one advance outstanding does not disqualify a deal. If the revenue covers every remittance including ours, we acquire. If the payments already outrun the deposits, we pass.
What We Say Yes To
Every file we see has already cleared the originating funder. We decline the majority.
Approval by a funder is the floor, not the standard.
Has the Business Done This Before
We look for businesses that have taken an advance before and paid it on time. If the funder came back and funded them again, that is the strongest signal we have, and we weight it accordingly.
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 reconcile.
How Fast Capital Comes Back
We favor deals that pay back inside six months. We will go to eight or nine when the rest of the file is strong, but short is the default. The faster the capital returns, the less time we are tied to any single business. Short duration is not a preference. It is how we control exposure to any one business.
What We Say No To
New businesses with no track record. Businesses that spend more than they bring in.
Deals where the price does not match the risk. Strong revenue with no cash in the bank. We do not bend the rules to fill a position.
A Perfected UCC-1 Backs Every Deal
Every position UBC holds is supported by a UCC-1 filed against the business and its future receivables under UCC Article 9. The funder perfects that claim on public record. UBC holds a direct ownership interest in the receivable alongside it.
Institutional buyers and qualified commercial entities can access our sourcing infrastructure directly. See Institutional Services.