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BreadRoute Review
Universal Finance
3.5Our Universal Finance Review
Universal Finance Corp. is a Boston-area equipment finance company with roots going back to the early 1980s. Its core focus is asset-based lending for contractors, truckers, and landscaping businesses, with financing starting at $20,000. What sets Universal apart is its deep expertise in equipment valuation — the team works with borrowers to unlock equity already held in owned machinery and structure deals around it. There's no stated minimum credit score, which makes this worth a look if your financials don't fit a conventional lending box. Vendor financing programs round out the product offering.
Who Is Universal Finance Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- New businesses with limited operating history
- Businesses that need equipment or machinery financing
Financing Options
Eligibility Requirements
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Other Nonbank Lender lenders
Universal Finance Pros & Cons
Pros
- No minimum credit score requirement
- Startup-friendly no seasoning requirement
- Lends nationwide
Frequently Asked Questions
Universal Finance offers financing in the range of $20,000+.
Universal Finance does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
Universal Finance offers the following financing products: Equipment Finance.
Universal Finance requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Universal Finance provides financing to businesses across the United States.
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