Ultimate Business Capital Marks 10 Years in Specialty Finance with Zero Default Rate

SHERIDAN, Wyo. - EntSun -- Ultimate Business Capital LLC, a specialty finance platform headquartered in Sheridan, Wyoming, has announced a significant milestone: more than ten years of continuous operations in the alternative lending space, highlighted by a zero percent default rate on recent portfolio vintages. Founded in 2014 by Ali Barkhordar, the firm facilitates capital deployment to merchant funders, maintaining strict underwriting standards that require borrowers to have FICO scores of 700 or higher.

The achievement reflects the firm's commitment to disciplined underwriting in an industry that has seen considerable volatility over the past decade. Unlike many participants in the alternative lending space who pursue aggressive growth at the expense of portfolio quality, Ultimate Business Capital has maintained an unwavering focus on prime credit borrowers. This selective approach has enabled the firm to achieve consistent performance without the credit losses that have challenged less disciplined operators. The firm's business model centers on participation interests in merchant capital transactions originated by funders with proven track records, focusing on short duration deals typically under ten months to minimize exposure to prolonged credit cycles or economic downturns.

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What differentiates Ultimate Business Capital is its institutional approach to what has historically been a fragmented industry. The firm has invested significantly in building infrastructure that delivers the transparency and professionalism expected of institutional grade financial services firms. This includes integrating advanced artificial intelligence tools such as Claude AI from Anthropic into daily operations, as well as utilizing Carta for stakeholder operations, enhancing efficiency in deal analysis, documentation, and communications. The underwriting process applies a multi layered due diligence framework that considers credit history, industry stability, and repayment capacity, a comprehensive approach that has proven effective in identifying quality transactions while avoiding the credit deterioration that has impacted other market participants.

"When we launched Ultimate Business Capital over a decade ago, we made a deliberate decision to prioritize quality over quantity," said Barkhordar, Founder, CEO, and Managing Partner of Ultimate Business Capital LLC. "The merchant cash advance industry has seen operators who chase volume without regard for credit quality. Our philosophy has always been different. We believe protecting capital is paramount, and sustainable results come from disciplined underwriting rather than taking outsized risks on marginal credits. Our zero default rate on recent vintages is a direct result of that philosophy. We're proud of what we've built and remain focused on maintaining the standards that brought us to this point as we look ahead to the next decade of operations."

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For more information, visit www.ultimatebusinesscapital.com