COMPARISON
Banked.fyi vs United Capital Source
An honest comparison to help you choose the right business funding partner for your needs.
✓ Unbiased Analysis✓ Real User Feedback✓ Updated December 2025
OVERVIEW
At a glance
B
Banked.fyi
RECOMMENDEDA modern business funding marketplace that connects you with 75+ lenders for the best rates and terms. Transparent pricing, fast approvals, and dedicated support.
Highlights
- No hard credit pull to check rates
- Access to 75+ lenders in one application
- Same-day funding available
- Transparent fee structure
- US-based support team
U
United Capital Source
Est. 2010United Capital Source offers working capital loans, equipment financing, and merchant cash advances through their lender network.
Pros
- Multiple products
- Fast funding
- Good service
- Equipment financing
Cons
- Not direct lender
- Rates vary by partner
- May require collateral
FEATURES
Feature comparison
| Feature | Banked.fyi | United Capital Source |
|---|---|---|
Soft Credit Pull to Check Rates See rates without impacting your credit score | ||
Same-Day Funding Get funds deposited the same day you apply | ||
Multiple Lender Options Compare offers from multiple lenders | ||
Bad Credit Accepted Options for credit scores below 600 | ||
No Collateral Required Unsecured funding options available | ||
Transparent Pricing Clear fee structure with no hidden costs | ||
Dedicated Advisor Personal support throughout the process | ||
Maximum Loan Amount Highest available funding | $5,000,000 | $5,000,000 |
Minimum Credit Score Credit requirements | All credit types | 550+ |
Time in Business Required Minimum operating history | 3 months | 6 months |
APR Range Interest rate range | 7.5% - 45% | 8% - 45% |
Funding Speed How quickly you can get funded | Same day - 7 days | 24-72 hours |
Rate Competitiveness How competitive are the offered rates | 4.5 | 4.0 |
Application Experience Ease and speed of the application process | 4.5 | 4.0 |
Customer Support Quality Responsiveness and helpfulness of support | 5.0 | 4.0 |
RATINGS
How they compare
Interest Rates
Banked.fyi
4.5
United Capital Source
4.0
Funding Speed
Banked.fyi
4.5
United Capital Source
4.0
Customer Service
Banked.fyi
5.0
United Capital Source
4.0
Flexibility
Banked.fyi
5.0
United Capital Source
4.0
Overall Experience
Banked.fyi
4.5
United Capital Source
4.0
OUR VERDICT
Both are excellent choices
United Capital Source is a strong competitor with multiple products. However, Banked.fyi's unique marketplace approach means you can potentially access United Capital Source AND 74 other lenders through one application, ensuring you find the absolute best deal for your business.
FAQs
Common questions
Is Banked.fyi better than United Capital Source?+
Both options have their strengths. Banked.fyi is a lending marketplace that connects you with 75+ lenders, giving you more options to compare. United Capital Source is also a marketplace with multiple products. The best choice depends on your specific needs, credit profile, and funding timeline.
What are the main differences between Banked.fyi and United Capital Source?+
The key difference is that Banked.fyi provides access to 75+ lenders through one application, while United Capital Source connects you with a network of lenders. Banked.fyi offers loan amounts up to $5M with funding as fast as 4 hours, while United Capital Source offers up to $5,000,000 with funding in 24-72 hours.
Which has better rates: Banked.fyi or United Capital Source?+
Rates vary based on your business profile, credit score, and loan type. Banked.fyi's marketplace model often helps businesses find more competitive rates by comparing multiple lenders. United Capital Source's rates range from 8% to 45%. We recommend checking both to see which offers better terms for your situation.
What credit score do I need for United Capital Source?+
United Capital Source typically requires a minimum credit score of 550+. Banked.fyi works with all credit types and can connect you with lenders even if you have bad credit, giving you more options to explore.
How fast can I get funded with United Capital Source vs Banked.fyi?+
United Capital Source typically funds in 24-72 hours. With Banked.fyi, depending on the lender match, you can receive funding as fast as 4 hours for certain products, though most loans fund within 1-7 days.
Does United Capital Source do a hard credit pull?+
United Capital Source uses a soft credit pull initially, similar to Banked.fyi. Banked.fyi never performs a hard credit pull when checking your rates—only when you choose to proceed with a specific lender.