Proprietary Acquisition Criteria
Prime Credit Asset Acquisition
Ultimate Business Capital acquires senior secured positions in prime commercial receivables originated by licensed finance companies. Our partners originate and service. We select the asset, hold the collateral, and capture the yield.
✓ Prime Credit Focus
✓ Asset-Backed Security
✓ Daily Transparency
HOW WE SOURCE ASSETS
We Identify Performing Assets.
We don't lend directly. We partner with licensed commercial finance companies and cherry-pick their best deals. Only prime credit borrowers with clean financials.
We coordinate the acquisition. Our partners manage the servicing and collection. This structure lets us skip the overhead of a sales team and focus on what actually matters: credit quality and senior security.
Secured Positioning
No startups. No speculation. Every position we hold is backed by an established business with verified revenue and a legal claim on their assets.
The Credit Filter
Other firms chase volume. We say no to 90% of what crosses our desk. We verify revenue daily and only hold prime-credit positions
The Efficiency Gap
These borrowers could get a bank loan, but not in 90 days. They pay a premium for speed. That premium is where we capture yield.
FIRM PROFILE
Established in 2014
Ultimate Business Capital is a private credit firm that buys prime commercial receivables at a discount from licensed lenders. They originate and collect. We select and hold the collateral.
Zero Compromise
We don't filter by industry, we filter by credit. Prime scores, clean statements, low existing debt. Everything else gets passed.
10+ years through rate cycles, recessions, and market shifts. Our criteria haven't changed. Prime credit, senior secured, short duration. Cycle Tested.
WHY ULTIMATE?
HOW IT WORKS
1. Apply Online 3-minute application. No Impact to Credit Score (Soft Pull).
2. Get Approved Funding decision in hours, not weeks. Direct lender network.
3. Receive Your Money in your account same day. Use funds immediately.
PROPRIETARY INFRASTRUCTURE
DATA SUPERIORITY
We price risk using a decade of proprietary repayment data. Our algorithms identify default signals that standard credit bureaus miss.
WHOLESALE ACCESS
Direct technical integration with licensed originators grants us 'First Look' access to prime paper before it reaches the open market.
CREDIT PRECISION
Strict adherence to a senior secured buy box. We reject 90% of deal flow to focus exclusively on short-duration, high-velocity assets.