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.


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.


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


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.


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.


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.


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.

What are our clients saying?

  • We have been with UGA 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.
  • 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 franchiser and their customers.
    Jon M.
  • “Our students enjoy having online access to manage their private education loans. They can view their statements, make payments and leverage eCommunications like eStatements and eAlerts. This was a giant step forward for our school.”
    Noel L
    Director of a Title IV School
  • 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.
    Executive in Online Education
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Contact Us

New Mexico:


Dispute Resolution AdministratorPO Box 901571Kansas City, MO 64190Phone: 888-233-2302E: consumerhelpdesk@ugafinance.com

This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/

To view more, please go to our State Licensing Page.