Frequently Asked Questions

Who Are You and What do you do?
We are a Financial Consulting Agency specializing in Loans and Lines of Credit for Businesses and Individuals. We help you by preparing your Application Package and submitting it to the banks that your application best matches for internal criteria, therefore giving you the edge on approval. 

What kind of Financing can Ultimate Business Solutions help me with?
We offer Unsecured Loans, Lines of Credit, and Credit Cards and Charge Cards

Why Use Ultimate Business Solutions Rather than apply with the banks myself?
Ultimate Business Solutions will help you avoid the mistakes almost everyone makes when searching for loans which is going to all the wrong banks or even applying for all the wrong products. Even if you have perfect credit with great FICO scores, you can still be your own worst enemy when it comes to getting financing! Knowing the banks and how to prepare your application is not easy, and it takes someone with the knowledge and skill as well as experience. Ultimate Business Solutions can do this for you, so that you get approved and you get the money you need to succeed!

Are there any upfront fees?
Yes we charge a one time non-refundable upfront application processing Fee to cover the costs of obtaining your Personbal or Business Credit reports(and in some cases both reports may need to be pulled) and the processing and handling of your File. There are no other costs until you are approved!

Is There A Penalty If I cancel?
NO, you are free to cancel at anytime, simply submit your request in writing. However please be aware that You application processing fee is NON REFUNDABLE and will not be returned to you upon cancellation.

How much can I apply for?
Our loans and lines of credit range from $7500.00 to $125,000. Depending on the status of your business and/or personal credit. Our minimum requirements are that you have a personal credit score over 620, your business established a minimum of 12 Months, no derogatory accounts in the last 2 years, no accounts currently past due in the last 2 years and no bankruptcies in the last 7 years.

What are the rates for these type of loans?
The interest rate varies with the normal range of interest rates for No Doc Loans and Lines of Credit are usually 7.5% to 18%. The interest rate you receive could be higher or lower, as you know the better your Credit History, the better the rate you can qualify for.

What are the repayment terms?
Most will be simple interest loans allowing you to pay only on what you owe, however we have many products and some will be installment loans.

How long does the process take?
The entire process from start to finish for the average applicant is 4-6 Weeks.

Can I use my own credit report?
Yes! We will accept any EXPERIAN credit report dated within the last 30 days!

Contact UBS Services now to find out about our unsecuredloanfinancing programs.  Unsecured Personal Loans and Unsecured Business Loans.  Let Us do the work for you.  UBS Services offers a variety of secured and unsecured personal loans and Lines of Credit as well as secured and unsecured business loans and lines of credit.  We can help you get the money you need to succeed!