About Us


UGA is a non-traditional finance company with a more broad-minded approach than is typical of most banks or secondary lenders. Simply put, UGA is one of the most innovative and progressive finance companies in the market today. 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.

UGA Finance is made up of two companies.  Universal Guardian Acceptance (UGA) and Universal Account Servicing (UAS).  UGA offers Direct and Indirect Lending options to power your companies financing solutions.  UAS offers the technology platform to originate Loans and Subscriptions while also offering Point of Sale capabilities.  UAS is also a contact center that specializes in 3rd Party Loan and Subscription Servicing.


Universal Guardian Acceptance

Phone: (877) 233-6999

Email: sales@ugafinance.com


Universal Account Servicing, LLC

Phone: 1-888-233-2302

Address: PO Box 901571, Kansas City, MO 64190

Email: support@universalaccountservicing.com