• For over 30 years, our vision and focus has been to provide the right finance structure to the Fire Service, First Responders and Municipal Government.


  • Our pledge is to listen to our customers and develop programs to expand their purchasing power, meet their purchase timing requirements, and to make it all happen seamlessly and affordably.


  • Whatever your essential use needs may be, we pride ourselves in our ability to support the purchase of what you need, when you need it. 

Our clients call us for a variety of reasons. They are often excited about purchasing new apparatus or equipment, constructing a new building, or expanding an existing facility. Supporting their vision to better serve their communities is the driving force behind what we do. 

I strive to create solutions where the customer is at the center of the transaction. By listening to what the client wants to achieve, we distinguish ourselves from other financial providers by providing finance transactions the way the client wants it to work.

John M Tench

SVP, Director of Municipal Finance

  • 828.452.6162


I enjoy serving volunteer fire departments, first responders, as well as local and state government by providing custom-tailored finance plans that meet their needs for today as well as into the future.


39 years of lending experience.


B.A. from Grove City College. 

Graduate of the Banking School of the South @ LSU


I take great pride in working for our customers, the volunteers and professionals who serve our communities so diligently.  It is my goal to build long lasting relationships by understanding my customer’s specific needs and delivering excellent customer service.

Cheryl Burleson

Municipal Finance Specialist

  • 828.365.7132


27 years in finance and banking


Houghton College, BS: Business Administration/Communications


I believe in building long and lasting relationships with our customers enabling them to better serve their communities.  I have a passion for helping people and do so by providing them personalized customer service.

Lindsey Robinson

Municipal Lease Specialist

  • 828.225.7050


7 years in finance and banking


Western Carolina University, BS: Elementary Education/History


Bill Ammons




  1. Complete the Customer Profile and Request for Information Package

We will call you so you can share your thoughts on the finance structure with us


  1. Email, fax or mail the Profile and Information Package to United Financial

We will review your information


  1. You will receive a written proposal on the finance structure

If approved, our written proposal will outline the finance structure of your loan, lease or line of credit.


  1. We prepare documents for execution based on the signed proposal

We travel to you and close the finance transaction face-to-face.


  1. We complete the underwriting, approval*, and documentation process

We File/Register the collateral documents

We fund the purchase when you are ready to have it funded.

*Pre-Approvals are available if needed