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ABOUT US

What Do We Do?

Small businesses are central to the U.S. economy and at United First Capital Experts (UFCE), we realize that these business owners often find it difficult to obtain financing when opportunities or challenges arise.

 

As a recognized leader in the Alternative Funding Industry and a direct funder of Merchant Cash Advances, whether we are working with a business directly or through our strategic partners, it is our mission to incorporate you in each step of the funding process to assure that our services fit your needs.

 

At UFCE, we promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity. UFCE utilizes a propriety CRM and underwriting systems to secure the application submission process and to provide rapid turnaround and funding for qualified applicants.

Why Choose Us?

We offer alternative funding solutions for small to medium-size businesses

IMG01

Limited
STIPs

IMG02

Approvals
in 2 Hours

IMG03

DocuSign
Contracts

IMG04

Soft Credit
Pulls Only

IMG05

Specialize in MCA Consolidation

IMG06

Direct
Funder

SAMEDAY

Same Day
Funding

Leadership Team

Our professional team of experts provides guidance through the financing process. Our entrepreneurial experience allows us to evaluate your business, thus helping you to understand the responsible use of working capital while we help your business to grow.

UFCE Executive Management:

Boris Musheyev

Founder & CEO

Since founding UFCE in 2023, Boris has served as the Chief Executive Officer (CEO) of the company, overseeing its strategic growth and brand development. Under his leadership, UFCE has quickly become a respected name in the merchant funding industry. This success is driven by a dedicated work ethic and a passion for ensuring that each UFCE client is treated with integrity, respect for their business, and fairness in funding. UFCE has also established industry-leading standards for the conduct of Independent Sales Organizations and Brokers, ensuring that they are treated with professionalism and aligned with UFCE’s mission to serve merchants. Prior to founding UFCE, Boris had a successful career in management within the real estate and service industries, which helped him hone the executive skills that have propelled UFCE’s growth and success.

Boris Shakhmurov

COO, CISO

As Chief Operating Officer (COO) and Chief Information Security Officer (CISO) of UFCE, Boris is responsible for driving company-wide operations, cybersecurity, information security, and underwriting program deployment. Boris has over nineteen years of cybersecurity and operational executive experience, having previously served in these roles as an Executive Director for JP Morgan Chase (JPMC). Prior to his executive experience at JPMC, he developed his encompassing skill set in global leadership roles at Royal Bank of Scotland, Citigroup, and Deutsche Bank. This experience has allowed Boris to drive critical improvements in process control and security; setting the stage for UFCE’s continued growth.

Jonathan Mayer, CPA

CFO

Jonathan as Chief Financial Officer (CFO) has more than sixteen years of professional experience serving the financial services sector. Jonathan developed his skill set through thirteen years in public accounting at leading firms such as Ernst & Young, LLP, and Grant Thornton, LLP. The focus of his public career centered upon on private equity, hedge and venture capital firms, as well as asset management start-ups, with a specialty in credit analysis. Prior to joining UFCE, Jonathan was the CFO of a multistrategy private investment fund. This experience has allowed Jonathan to bring best-in-class processes / procedures, and leadership to UFCE’s finance and accounting functions, while developing more sophisticated reporting and financial analysis that UFCE will leverage as it continues to grow.

Boris Khanales

CTO

Boris is a twenty-year technology veteran having served in various development, deployment, and consulting positions in the financial services sector. As Chief Technology Officer (CTO) of UFCE, he has responsibility for information systems development and integrity; in addition to his role in reviewing technologies meant to keep UFCE at the forefront of its industry. Prior to joining UFCE, Boris held senior technology positions at Deutsche Bank; Imagine Software; Nova MicroSonics; and IBM, with responsibility for designing, developing, and supporting real-time portfolio reporting, risk management, and related regulatory solutions for global financial institutions.

Boris Musheyev

Founder & CEO

Since founding UFCE in 2023, Boris has served as the Chief Executive Officer (CEO) of the company, overseeing its strategic growth and brand development. Under his leadership, UFCE has quickly become a respected name in the merchant funding industry. This success is driven by a dedicated work ethic and a passion for ensuring that each UFCE client is treated with integrity, respect for their business, and fairness in funding. UFCE has also established industry-leading standards for the conduct of Independent Sales Organizations and Brokers, ensuring that they are treated with professionalism and aligned with UFCE’s mission to serve merchants. Prior to founding UFCE, Boris had a successful career in management within the real estate and service industries, which helped him hone the executive skills that have propelled UFCE’s growth and success.

Boris Shakhmurov

COO, CISO

As Chief Operating Officer (COO) and Chief Information Security Officer (CISO) of UFCE, Boris is responsible for driving company-wide operations, cybersecurity, information security, and underwriting program deployment. Boris has over nineteen years of cybersecurity and operational executive experience, having previously served in these roles as an Executive Director for JP Morgan Chase (JPMC). Prior to his executive experience at JPMC, he developed his encompassing skill set in global leadership roles at Royal Bank of Scotland, Citigroup, and Deutsche Bank. This experience has allowed Boris to drive critical improvements in process control and security; setting the stage for UFCE’s continued growth.

Jonathan Mayer, CPA

CFO

Jonathan as Chief Financial Officer (CFO) has more than sixteen years of professional experience serving the financial services sector. Jonathan developed his skill set through thirteen years in public accounting at leading firms such as Ernst & Young, LLP, and Grant Thornton, LLP. The focus of his public career centered upon on private equity, hedge and venture capital firms, as well as asset management start-ups, with a specialty in credit analysis. Prior to joining UFCE, Jonathan was the CFO of a multistrategy private investment fund. This experience has allowed Jonathan to bring best-in-class processes / procedures, and leadership to UFCE’s finance and accounting functions, while developing more sophisticated reporting and financial analysis that UFCE will leverage as it continues to grow.

Boris Khanales

CTO

Boris is a twenty-year technology veteran having served in various development, deployment, and consulting positions in the financial services sector. As Chief Technology Officer (CTO) of UFCE, he has responsibility for information systems development and integrity; in addition to his role in reviewing technologies meant to keep UFCE at the forefront of its industry. Prior to joining UFCE, Boris held senior technology positions at Deutsche Bank; Imagine Software; Nova MicroSonics; and IBM, with responsibility for designing, developing, and supporting real-time portfolio reporting, risk management, and related regulatory solutions for global financial institutions.

Alex Pinkhasov

Credit Committee

Since 2023, Alex has been a pivotal member of UFCE’s Credit Committee, responsible for overseeing all aspects of the underwriting process, including financial analysis, risk assessments, and pricing evaluations. Alex brings a wealth of experience from his senior management roles in the financial sector, having previously served at Alpine Woods Capital Investors LLC and ConvergEx, where he excelled in corporate actions, P&L management, financial reporting, data consolidation, and risk management. With a strong foundation in general financial management and relationship banking, Alex is known for his strategic approach and dedication to maintaining rigorous underwriting standards. His leadership and expertise play a crucial role in managing UFCE’s credit risk and enhancing the company’s overall credit strategy.

Samin Masnun

Underwriting

Samin as UFCE’s Final Underwriting Manager, coalesces the component parts of the underwriting team’s analysis for final funding and pricing decisions. Samin has over seven years of underwriting experience in the commercial and merchant cash advance funding industries. Under Samin’s leadership, the underwriting team is responsible for performing the final evaluation of every funding contract, pre and post-funding, to ensure that each conforms to UFCE’s established underwriting guidelines.

Alex Pinkhasov

Credit Committee

Since 2023, Alex has been a pivotal member of UFCE’s Credit Committee, responsible for overseeing all aspects of the underwriting process, including financial analysis, risk assessments, and pricing evaluations. Alex brings a wealth of experience from his senior management roles in the financial sector, having previously served at Alpine Woods Capital Investors LLC and ConvergEx, where he excelled in corporate actions, P&L management, financial reporting, data consolidation, and risk management. With a strong foundation in general financial management and relationship banking, Alex is known for his strategic approach and dedication to maintaining rigorous underwriting standards. His leadership and expertise play a crucial role in managing UFCE’s credit risk and enhancing the company’s overall credit strategy.

Samin Masnun

Underwriting

Samin as UFCE’s Final Underwriting Manager, coalesces the component parts of the underwriting team’s analysis for final funding and pricing decisions. Samin has over seven years of underwriting experience in the commercial and merchant cash advance funding industries. Under Samin’s leadership, the underwriting team is responsible for performing the final evaluation of every funding contract, pre and post-funding, to ensure that each conforms to UFCE’s established underwriting guidelines.
GFE Operations:

Aleksandr Shlepin

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Alla Shirokova

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Samin Masnun

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Rafi Zaman

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When Should You Apply?

Obtain Working Capital to Help You:

Secure Your Business:

When you feel there is a risk of declining sales, we will arrange business financing for you to:

  • Consolidate your debt
  • Accumulate emergency funds
  • Stabilize your cash flow
Grow Your Business:

Whether it's your next project or you've been presented with an unexpected opportunity, we have a financing product to help you to:

  • Hire additional employees
  • Expand or renovate
  • Upgrade Equipment
Manage Your Business:

When you find yourself in need of funding for day-to-day operations, we have the fast, simple financing you need to:

  • Make Repairs
  • Pay Taxes
  • Cover Payroll
General Requirements:
  • 500 FICO Score
  • $15,000 min deposits per month
  • 6 months in business
  • No previous defaults or judgments
  • No open bankruptcies
Testimonials:

Find out how our clients use our fast and simple services to expand and grow their businesses:

“United First Capital Experts have always been there for me. I have turned to them several times for working capital to remodel my Beauty Salon. They work very fast, it's a way to accelerate our dreams. I am not worried about the problems that occur because I know that I can count on United First Capital Experts.”

“The process with United First Capital Experts was faster than I expected, they sent me an email with the application, I filled it out and sent it, the next day Ana called me, and the process started, I had the money in my account two days later. I feel very grateful!”

“I thought I was out of options, that all was lost for the business I have had for over ten years. Fortunately, I found United First Capital Experts. They have excellent customer service. They explained the process to me, and I was able to recover from one of the most difficult financial crises of my life.”

Frequently Asked Questions (FAQ)

United First Capital Experts is a professional alternative funding source from that offered by traditional banks. UFCE provides funding through a fast, simple process that meets small business owner’s needs. UFCE is committed to funding businesses in a streamlined, stress-free manner.

Click on APPLY NOW to complete the application form and: (i) our team will determine the funding for which you qualify, (ii) make and discuss an offer, and (iii) send funds by wire, once contracts are signed and stipulations are resolved.

The biggest difference is the speed and ease of our application and funding process. We strive to provide you a decision in a matter of hours rather than weeks. Further, if you are approved before 17:00 CT, funds will be available the next business day.

The underwriting process can take up to 2 hours, depending on your qualifications.

Once approved, the process is fast and simple. Your funds are transferred directly into your business’s bank account within hours – no more than 1 business day.

Our minimum requirements are $15,000 in deposits per month; 500 FICO score; at least 6 months in business and no previous defaults, judgements or open bankruptcies.

We do not sell or share your data. Our highly trained professional team controls the collection and processing of your sensitive confidential information. Ensuring the security of our applicants’ data is critical to our mission.

Yes. Funding can be paid off ahead of time without any additional fees or pre-payment penalties. We may even offer an additional discount for early prepayment.

Merchants looking for additional capital or to consolidate multiple cash advance positions into one lower daily payment. Click on APPLY NOW to complete the application form.

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