Lender-confirmed criteria

Company claimed

United First

Formerly Global Funding Experts

Lender confirmed · Rates 1.19 - 1.45 · 5–18 month terms · B/C/D paper

Corporate office

United First on the map

27-01 Queens Plaza N, Suite 802, Long Island City, NY, 11101, USA

Address published by a domain-verified page administrator.

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Underwriting file

Criteria at a glance

Paper grades run from A (lower risk) to D (higher risk). Blank fields are unavailable rather than estimated.

Last lender updateVerified lender criteria submission
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Paper acceptedBCD
Minimum credit500
Minimum monthly revenue$15,000
Time in business6 months
Average daily balance$100
Minimum monthly deposits4
Maximum NSF / negatives5
Minimum ownership51%
Maximum funding$1,250,000
Maximum position8th
Rate range1.19 - 1.45
Term range5–18 months
Prepayment options
Upfront fees10 · unit not verified

Industry restrictions on file

SIC 5511 — New and used car dealersSIC 5521 — Used car dealersSIC 5599 — Automotive dealersnec

State restrictions on file

HI

How this profile was found

Current lender criteria record

These criteria were submitted by a domain-verified lender page administrator. Independent source records remain available in the evidence trail. Independent criteria last observed: Jul 28, 2026. Confirm submission contacts directly with the lender before sending merchant information.

For ISOs and brokers

Partner with United First

How to request ISO onboarding, confirm the partnership process, and reach the lender’s business-development team.

✓ Lender-provided onboarding process

Onboarding instructions

Please email [email protected] with full name of signer for ISO agreement and best email to send to. Before processing files we will need to collect DL, VC, Proof of Ownership

Published by a verified page administrator.

From the verified lender

Company information

Financing products

What United First offers

2 lender-provided product categories are on file.

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From the verified lender

Lender-confirmed underwriting criteria

Submitted Aug 11, 2026. These values are active in the public profile and matching engine; independent source history remains available in the evidence trail.

Reputation

Reviews around the web

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Google Maps reviews5 review excerpts
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2 years ago

Where can I file a complaint against these people. I have struggled with a pre-stroke due to stress and even informing them that all they care is about their daily withdrawals. I was contacted by a broker stating this was a consolidation company I had two prior loans. ALLL WAS A LIE they made some deposits to may account to supposedly cover the other two loans to consolidate and and the end only one was paid forcing me to have to pay $559+$360=919 daily M-F =4,595 weekly my business struggled and informed them to work with them and not default they did not care about my health nor my situation. I was forced to stop trying to make my business move forward as money was not coming in. This forced me to get two jobs to maintain somewhat payments. I've tried working with them requested help sent a reconciliation according to them and I was in hospital did not get it back to them right away and now I don't qualify. I told them I can provide proof it was due to medical reason they don't care. These are companies pretending to help and make your business fail. I have tried to find an upper management and they work like a mob no matter what number you call they will transfer you to the same person.

2 years ago

I unfortunately opened my business in an unfortunate times. I am not aware that a world wide pandemic was going to start. If I knew, I would not have started my business. Since the dawn of Covid19 pandemic, I am struggling to get my business to take off the ground. It took 11 months to get my business licensed and to get it started due to setbacks and delays caused by Covid 19 pandemic. By the grace of God, I was able to start my business to take off the ground on November 2020. For the whole entire year, the business was incurring all expenses which put it deeper and deeper in debt. I depleted all my liquid assets including my retirement funds. I am financially struggling to make ends meet for my business. My business did not qualify for PP1, PP2, nor EIDL government subsidized programs to help businesses' stay afloat during the pandemic. However, I did not qualify for PP1 because the requirement is that I need to be an existing business at least by September 2020. Then PP2 came and once again my business did not qualify because one of the requirement is that my corporation need to be stamped by February 2020. My corporation did not take effect until March 4, 2020! So, I started researching what other fundings are available out there. I stumbled on MCA lending. I started using MCA lenders since March 2021 in order to meet payroll obligations. These lenders charges hefty interest rates but to me, it is the perfect solution to my situation. The funding process is fast unlike bank and traditional lending institutions. However, three months ago I happened to work with a crooked MCA broker whom paired me with a wrong MCA product to whom GFE was the lender. I explained the situation to GFE but to no avail no one is interested to help me in that company. Instead of working with me, they send UCC liens to all my clients including past clients. Due to UCC liens, my clientele dropped to 50%. The business revenue dropped 50% as well. I said GFE is the worst MCA lender I ever worked with because they don't listen and they they are ruthless and unscrupulous in their collection practices. They are ruthless and will drive your business to the ground! PLEASE FIND ANOTHER LENDER.

★★★★★3 years ago

I own US Trust Business Loans and Alternative Capital Funding. Sofya my iso manager and Boris, have done a real stand up job. I submitted a full file last night and by 10:30 a.m. the next day I had a clean approval and follow up phone call. This is not always the case. I am not a million dollar amount account either for this firm. Sutton Funding always said positive things about this firm and they delivered. I will be using them more often and I should be funding on Monday. A VIP CPA has a great referral that we should be closing. Strong Funder and sharp website!

2 years ago

Horrible business and horrible people. If you get a loan from GFE, your business will go under. They make it impossible to pay them back with hidden fees and random charges. There are better loan options out there. Take my advice and look elsewhere.

First-hand accounts

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Ownership verification

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