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Universal Capital was established in 2010 by an experienced team of mortgage banking professionals.  We provide time-sensitive  interim and bridge financing using non-owner occupied residential and commercial real estate as collateral. Our funding is provided in an efficient and timely manner in contrast to the challenging and ever-changing guidelines experienced when working with traditional lenders.  We are a direct lender utilizing our own capital as our funding source.  We internally underwrite our loans allowing us to apply a common sense approach to our loan approval process.