Our Services

Consumer Financing

We take an innovative approach that allows your business to provide customers with flexible payment options.

Our solutions include all the options provided by banks or traditional lending institutions plus many additional options that may better fit your business needs.

We can arrange immediate funding on the accounts you generate, we can load your accounts into servicing and purchase in time, you can use our technology to create your own financing solution.


Loan Servicing

Is managing your in-house receivables or billing taking up valuable time you could be using to build your business? Are you compliant in your servicing approach? Do you have the infrastructure to properly collect and service your receivables?

The loan servicing sector of UGA, Universal Account Services (UAS) can support you in these endeavors. With reasonably priced loan servicing options, UAS can meet the custom needs of your business. We have the hardware, software and experienced personnel to provide world class support of your accounts, freeing you to focus on what you do best.


Debt Recovery

Struggling to collect on a debt? Concerned pushy debt collectors will damage the reputation you’ve worked so hard to build? Ask us about solutions for managing past due and default accounts. UGA has access to default management and debt recovery services. Our professional team of solution advocates seeks to preserve client relationships by working to find manageable payment plans for all parties involved.


Our Platform

Use our platform to Originate Loans or Subscriptions.  Checkout customers with a Point of Sale solution that enables Bank ACH or Credit Card transactions in combination with flexible payment plan options to close more deals.  Use the same platform for customer service and loan servicing solutions.  Your customers also get online access to manage their accounts, eStatements and eAlerts as well.  Find out more about our platform here.

uPortal360

Our Powerful Origination and Servicing Platform for Loans and Subscriptions with Point of Sale

From your day-to-day to the future...

With UGA as a partner, your company can leverage its true sales potential, driving incremental revenue and take advantage of more accessible cash flow by financing to your customers’ transactions.

No headache loan management

By outsourcing your consumer receivables, our subsidiary UAS frees you to focus on your core business. UGA also offers a default management solution through a valued partnership with Omega-RMS.

Heavily diversified

UGA finances various products and services over a wide range of industries. Some of the industries that benefit from UGA offerings include education and vocational training, private club memberships, elective medical procedures and consumer products and services. With more than 13 years of experience in creating accessible funding solutions, we can develop a program that works for you and your customers.

Why Choose Us?


UGA is a non-traditional finance company with a more broad-minded approach than is typical of most banks or secondary lenders. We work to develop creative solutions that meet the needs of your business and the customers you serve, including consumers with less than perfect credit.

About clients reviews

What Clients Say?

“UGA’s uPortal platform has dramatically enhanced our customer’s financing experience. UGA’s loan servicing platform has provided a solid set of online management tools to our students which has significantly improved how we communicate to them.”

AARON N CFO of an Online Education Company

“UGA has provided billing options for our company that we just couldn’t find anywhere else. It has resulted in millions of dollars in annual business that otherwise may have been lost to our company. I am grateful for the trust they have established with us after performing admirably over time. We have been with them for 5 years now and have never had to worry about our monthly payments arriving on time or being shorted. It’s a business relationship that has blessed our lives and allowed us to serve more customers.”

Bob S. CEO

“UGA has been an instrumental part of moving from a fragmented, non-compliant and inconsistent process arranging for payment options with our customers to system that is fast, efficient and compliant for both our franchisor and their customers”

Jon M. CFO
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