ULTIMATE
Balance-Sheet Buyer of Commercial Receivables
Ultimate Business Capital is a specialty finance company that acquires selected positions in performing commercial receivables.
We use our own balance sheet to acquire selected positions.
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Our underwriting emphasizes demonstrated payment performance, operating liquidity, and shorter expected remittance periods. View Our Underwriting Standards
Diversification
We limit exposure to any one receivable and diversify across businesses, industries, and geographic markets.
Independent Assessment
Each acquisition is assessed independently based on its economics, documentation, payment history, servicing, and fit within the overall portfolio.
OUR ROLE
We Acquire Positions.
The Originating Funder Services Them.
Businesses may sell a portion of anticipated future receivables to an originating commercial receivables funder in exchange for an upfront purchase price. After independent review, UBC may acquire a position in selected receivables from that originating funder.
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The originating funder continues servicing the receivable and remains the secured party of record; UBC underwrites, acquires, and monitors its position.
OUR STANDARD
We decline the majority of opportunities we review. We do not lower our underwriting standards simply to deploy capital.
Beyond Individual Transactions
Portfolio Experience
Our underwriting incorporates what we learn from portfolio-wide payment outcomes, not only the characteristics of an individual acquisition.
Funder Servicing
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Each receivable is serviced by its originating funder. We therefore assess the funder’s servicing and collections practices as part of every acquisition review.
Monitoring
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We monitor payment performance across the portfolio. Changes in payment behavior can indicate emerging risk and inform future acquisition decisions.