Funding in three simple steps:
Apply, Get Approved, Get Funded. Our process is built to be entrepreneur-friendly. No endless meetings or unclear conditions – just straightforward finance when your business needs it. We also maintain full transparency throughout: you’ll always know where you stand in the process. With Unum Credit, obtaining business funding is no longer a headache or a waiting game; it’s a quick conversation and a handshake (albeit a digital one). We do the heavy lifting on the back-end so you can focus on what matters most – running and growing your business.
Step 1: Apply Online
Fill in our quick online form in just a few minutes. Tell us about your business and the funding you need – Purchase Order Funding, Bridging Finance, or Invoice Discounting. Upload any supporting documents you have, and you’re done. No application fees and no obligation.
Step 2: Get a Tailored Offer
We assess your request quickly and look for ways to say yes. Our team combines smart automation with human expertise to verify details and approve viable deals. Within 24 hours (often sooner), you’ll get a clear offer showing exactly how much we can fund, all fees upfront, and when repayment is due. Our consultants will guide you through the offer, answer questions, and make sure it’s the right fit for your business. Signing is simple and electronic.
Step 3: Receive Your Funding
Once you accept, we move fast. PO Funding: We pay suppliers directly so you can deliver your order. Invoice Discounting: We advance cash against your invoice. Funds are often in play within hours. We stay in touch after payout and can extend or top up facilities as your needs grow. Repayments are straightforward and tied to your transaction’s proceeds, and if there’s ever a delay, we work with you on solutions.
About repayments
We make repayment as seamless as possible, coordinating with you so it’s not a distraction. If your client delays payment unexpectedly or any issue arises, we urge open communication – often we can work out an extension or alternate plan. We’re flexible because we understand business is dynamic.
Each product has its own repayment mechanism, but generally, you repay from the transaction’s proceeds:
Purchase Order Funding
In Purchase Order Funding, your client’s payment on the delivered order will go towards settling our advance (usually via your account or an attorney trust account, as agreed).
Invoice Discounting
In Invoice Discounting, once your customer pays the invoice, that payment is used to clear the advance and fee.
The Application Process
Step 1: Online Form
The simplest way to apply is via our online form. It’s intuitive – you’ll provide info and upload documents as prompted. You can also save and resume later if needed. If you prefer to talk to a human, you can call us and we’ll happily guide you through the application on the phone or email you a form.
Step 2: Initial Review
Once submitted, you’ll get a confirmation that we received your application. Our system instantly does some preliminary checks (like verifying your company status). A relationship manager will be assigned to your application and will reach out to introduce themselves. This person will be your main point of contact throughout – answering any questions and keeping you updated.
Step 3: Decision & Offer
As described in How It Works, we typically respond very quickly. You could receive a conditional approval and quote the same day. If we need additional info, we’ll request it promptly (for example, maybe the copy of the PO was blurry – small things like that can come up, we’ll sort it out together). Once you have our offer, you’ll decide if you want to proceed. There’s no obligation until you sign the agreement. We genuinely want you to take an informed decision that benefits your business.
Step 4: Acceptance & Funding
Sign the agreement (digitally or in person at our office – whichever is easiest for you). We’ll then finalise the setup: complete any verification calls, file the necessary credit provider notices, etc., and initiate the transfer of funds or supplier payments as agreed. You’ll receive confirmation of all disbursements.