United Financial Technologies is dedicated to sharing its ingenuity. Our staff of professional and highly creative personnel revel in bringing creative financial solutions forward to the middle market commercial entrepreneur. Through financial product solutions like the Collateralized Variable Rate Demand Note (CVRDN) and the Managed Variable Rate Demand Note (MVRDN), United Financial Technologies is readily availing to the economic “everyman” tools once reserved for and available only to blue chip companies. These products provide significant annualized savings on capital costs by utilizing the breadth, depth and versatility of the institutional capital marketplace to efficiently raise bulk capital in order to satisfy legitimate financing needs.

The CVRDN can be effectively utilized in many commercial business areas such as:

•	Asset Acquisitions	•	Infrastructure
•	Auto Industry Floor Planning	•	Leveraged Buy-outs
•	Construction	•	Manufacturing
•	Entertainment & Production	•	Maritime Industry & Services
•	Equipment Financing	•	Real Estate
•	Equipment Leasing	•	Sale-Leasebacks
•	Fund-of-Funds	•	Trade Finance
•	Hospitality Industry	•	Transportation

Are you a commercial bank or financial institution? Does your institution carry an investment grade rating or does it have a confirming relationship with an investment grade bank or financial institution? 

If so, you should consider becoming a Principal Letter of Credit Issuer:

•	Enjoy the same collateral security as a conventional credit structure
•	Engage in the same credit underwriting process as in a conventional credit application;
•	Reduce reserve demands significantly and enhance financial performance;and
•	Earn annualized fee-based income.