Borrowers
Asset‑backed capital for borrowers, lender platforms, and specialty finance companies.
Unity provides fast, flexible, senior secured term loans and credit facilities so you can scale your business, without bank red tape.
To request a loan, please apply here.
Unity Credit Box
We finance asset-backed credit so borrowers can scale with speed and certainty. We underwrite to grow.
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Loan Size: US$2–10mm
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Interest: ≥15% rate
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Duration: ≤24 months
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Monthly/quarterly cash pay (no PIK)
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First-lien + personal guarantee
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Verifiable, readily saleable collateral (AR, inventory, loan portfolios, royalties, real estate, IP, judgments)
Typical timing: diligence 2–3 weeks after a complete package, funding 2-3 weeks after.
Who we are
Created in 2022, Unity Investments is a private credit lender that primarily makes asset-backed loans. Specifically, we lend to lower middle-market lenders, credit platforms, credit funds, and specialty finance companies nationwide, typically with a pool of receivables or loans as collateral. Our borrowers help finance a wide array of industries, ranging from healthcare to legal to small businesses. From time to time, we would make exceptions for extraordinary opportunities, such as bridge loans, venture debt, hard money loans, and convertible notes.
Where our capital comes from
Unlike traditional banks funded by consumer deposits, our capital primarily comes from high-net-worth individuals, family offices, and entrepreneurs. This capital base allows us to be
1 | much more flexible
2 | faster than traditional commercial banks.
Our streamlined process eliminates the cumbersome requirements and bureaucratic hurdles typical of banks. We are also more accepting of esoteric or non-conventional assets that most banks would not consider.
How we think
Most private lenders underwrite to own.
We underwrite to grow.
Alignment
We structure deals so both sides win, occasionally taking warrants to align long‑term incentives when appropriate
Partnership
You get a responsive deal team, transparent milestones, and decisive feedback - yes or no quickly, not weeks of drift
Discipline
We are founder‑friendly, but coverage, cash flow, and controls come first
What types of loans we offer
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Loan‑on‑loan/lender finance against consumer or commercial receivables (e.g., MCA, invoice/ABL, litigation funding, healthcare/medical receivables, RBF/e‑commerce)
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Forward flow, revolvers, or delayed‑draw term facilities
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Bridge‑to‑securitization or bridge‑to‑refinance structures
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Royalty or contract‑based cash‑flow streams with verifiable value
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Select operating‑company bridges
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Venture debt where asset coverage and controls are clear
What makes us different
Speed & certainty
Clear asks up front - term sheet in 10 business days, funding in 30 days (deal‑dependent)
Flexible Structuring
Bespoke advance rates, concentration limits, and covenants matched to your asset behavior
Operator Mindset
We think about helping you scale your business
Direct
Access
Senior team on every deal, fast decisions
Clean Documentation
Institutional discipline without the paper maze
Unity by the numbers
33 deals funded
since inception
(as of Aug 2025)
~$3 to 5 million
average loan size
18 months
average loan duration
3-4 weeks
average time from
underwriting to funding
Disclaimer: The information contained herein is for informational purposes only and is not intended as, and may not be relied on in any manner as legal, tax or investment advice, a recommendation, or as an offer to sell, a solicitation of an offer to purchase or a recommendation of any interest in any security offered by Unity Angels Management Inc., Cadence Group, Inc. (DBA Percent Technologies) or its affiliates (together ‘Unity and Percent’). The information is subject to change and may also be incomplete. Some data set forth herein has been provided by originating third parties. Unity and Percent believe that information to be reliable but does not assume any responsibility for the independent verification of such information and makes no representation, warranty or guarantee as to its accuracy or completeness. Therefore, Unity and Percent assume no liability for the information provided. Unity and Percent may have issued, and may in the future issue, materials that are inconsistent with, and reach different conclusions from, the information presented herein. Those materials may reflect different assumptions, views, and analytical methods and Unity and Percent are under no obligation to ensure that such other materials are brought to the attention of any user. Additional information is available upon request.