Resources
Practical tools for commercial borrowers.
Reference material to help you prepare for underwriting, understand the terminology and close faster.
Document checklist
What to have ready
Providing these upfront compresses timelines dramatically. Not every item applies to every deal.
- 01Two most recent business tax returns
- 02Two most recent personal tax returns for each guarantor
- 03Year-to-date profit & loss and balance sheet
- 04Personal financial statement (SBA Form 413 for SBA deals)
- 05Debt schedule for the business
- 06Purchase & sale agreement (for acquisitions)
- 07Rent roll and operating statement (for CRE)
- 08Copy of driver's license for each guarantor
Glossary
Terms worth knowing
- DSCR
- Debt Service Coverage Ratio — net operating income divided by annual debt service.
- LTV
- Loan-to-Value — the loan amount divided by the appraised value of the collateral.
- Bridge Loan
- Short-term financing used to bridge a gap until longer-term financing is arranged.
- Mezzanine
- Subordinated debt or preferred equity used to fill the gap between senior debt and sponsor equity.
- Non-Recourse
- A loan where the lender's remedy on default is limited to the collateral, not the borrower's other assets.
- SBA 7(a)
- The SBA's flagship program — up to $5M for a wide range of business purposes.
- SBA 504
- SBA program for owner-occupied real estate and long-life equipment, up to $5.5M.
- USDA B&I
- USDA Business & Industry guaranteed loan for rural businesses, up to $25M and 30-year terms.
FAQ
Frequently asked
What size deals does UGF work on?+
Typical transactions range from $250K to over $50M. We are equally comfortable with smaller working-capital lines and large commercial real estate placements.
How long does the process take?+
From complete submission, term sheets are usually issued within a week. Closings run 30–75 days depending on program (equipment fastest, real estate longest).
Do you charge upfront fees?+
No. UGF is compensated at closing, aligning our interests with getting your deal funded on the best available terms.
Which states do you cover?+
We currently originate in 37 states. Contact us to confirm coverage in your jurisdiction.