• United Financial supports Municipal Governments and On-Behalf-Of Agencies primarily in North Carolina, South Carolina, Tennessee and Virginia.
  • United Financial specializes in fast response and in-person servicing for On-Behalf-Of-Agencies and City, Town and County governmental units.
  • United Financial is a division of HomeTrust Bank.
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    New Vehicles and Equipment Finance

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    Pre-owned Vehicles and Used Equipment Finance

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    Facility Finance

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    Practically any Essential Use need can be Financed

  • Our goal is to accelerate your ability to purchase the vehicles and equipment you need, when you need it.
    • We have proudly served over 1,000 clients over the past 30 years
    • We will come to you so you will know your financing partner as well as your financial documents
    • We provide financing directly to you, no broker fees or commissions
    • We charge no direct bank origination fees
  • Our process is designed to fit your deliver timetable and budgetary constraints
    • Funding up to 100% of your project costs
    • Monthly, Quarterly, Semi-Annual or Annual payments available
    • We are familiar with the North Carolina Local Government Commission (LGC) and other regulatory requirements.
    • Contact us and let us tailor a financial program that works the way you want it to work

Tax Exempt Municipal Lease/Purchase Financing is designed to complement, rather than replace bond financing.  As Local Governmental units have become cognizant of the advantages of Tax Exempt Municipal Lease/Purchase Agreements over bonds, they have increased their utilization of this unique financing vehicle to satisfy many of their equipment and facility finance needs.  The advantages of Tax Exempt Municipal Lease/Purchase Agreements are as follows:

All leases, loans and lines of credit are subject to credit approval.

1. Consult your tax advisor regarding the deductibility of interest and charges.

2. Consult your legal counsel regarding legal requirements of municipal financial transactions.