System online | Phoenix, Arizona | Accepting new files

Capital Intelligence for Operators.

We connect operating businesses with working capital and equipment financing. Built for hospitality, trades, and heavy equipment operators.

Operating Capital

Target: $75,000 to $250,000

Speed: high

For working capital and expansion needs. Streamlined processing. Many decisions within 24 to 72 hours after a complete file is received.

Strategic and Equipment Finance

Target: $250,000 to $5,000,000

Type: asset or structured

For heavy equipment, yellow iron, and structured facilities. Deep operational analysis for complex transactions.

Minimum request: $75,000

Built by Operators.

Led by Kristian O. (Managing Director), Utilifin brings 18 plus years of operational strategy experience to finance. We approach capital acquisition through the lens of an operator, ensuring your infrastructure is ready to deploy the capital you request.

Business purpose only. No real estate secured loans. No consumer loans. No patient financing. No upfront application fees.

✅ Business purpose only

✅ No real estate secured

✅ No consumer loans

✅ No patient financing

✅ No upfront fees

✅ Secure docs after review

How It Works

Simple intake first. Secure documents only after review. Clean files move faster.

Step 01

Preliminary Assessment

You submit basic business information. No sensitive documents are required at this stage.

Step 02

Secure Documents

If your request qualifies, we send a secure upload link and a document checklist.

Step 03

Placement and Offers

We package the file and submit to appropriate third party funding sources. Offers and final terms are determined by those funding sources.

Submitting an assessment does not guarantee approval, pricing, terms, or funding timelines.

Preliminary Assessment

Preliminary assessment only. No sensitive documents are required at this stage.

Business Name

State Where Business Operates

Monthly Revenue

Time in Business

Amount Requested

Minimum $75,000

Estimated Credit Tier

Use of Funds

Working Capital Equipment Both

Contact Name

Phone

Best Time to Contact

Optional Notes

I certify this request is for business purposes and I authorize Utilifin to share submitted information with third party funding partners.

Utilifin does not charge upfront application fees. Compensation is earned at funding and paid by third party funding sources or at closing, depending on the transaction.

Submitting an assessment does not guarantee approval, pricing, terms, or funding timelines.

Do not upload bank statements, tax returns, IDs, or any sensitive documents through this form. If you qualify, you will receive a secure upload link.

Contact

We respond quickly to complete submissions. If you submitted an assessment, that is the fastest path to a decision.

Email: KRISTIANO@utilifin.com
Phone: (480) 492 0435
Location: Phoenix, Arizona