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Make Paying Easy
Self-service tools, AutoPay, card updater, and clear communication remove friction from payment moments.
A Servicing Partner Built for any Financing Program.
Universal Account Servicing (UAS) is a licensed third-party servicer helping lenders, credit unions, CUSOs, Title IV schools, and retail finance programs lift payment performance through clear borrower communication, modern servicing technology, and disciplined operations.
Our Story
UAS was founded in 2004 to provide financing program originators a better way to service the customers they originate. Too often, well-underwritten loans underperform not because borrowers can't pay — but because servicing operations make it too hard for them to pay easily.
We built UAS, and our uPortal360 platform, around a simple idea: when payments are easy, more payments get made. Combine that with modern outreach, 24/7 portal support, and rigorous compliance, and portfolios perform closer to underwriting expectations across every credit tier.
Today UAS supports billions of dollars in originations across consumer loans, private student loans, retail installment contracts, open-end and closed-end accounts, and specialty agreements — including as the third-party billing service provider for the UGA Finance Program.
By the Numbers
Originations Serviced
$2.4B+
Total Accounts
558,000+
Combined volume across UAS-serviced programs.
The Principles That Run Our Servicing Operation
Performance and trust come from how every borrower interaction is handled. These principles guide our work.
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Operate With Discipline
Documented processes, controls, and audited frameworks keep institutional lenders confident.
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Treat Borrowers Well
Respectful, plain-language communication earns trust and improves repayment behavior.
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Measure Everything
Performance vs. expectation is reported at the credit-tier level so partners can see what's working.
How We Fit Together
UAS and UGA Finance work as connected halves of one consumer finance ecosystem — origination and servicing — so merchants, lenders, and borrowers get one consistent experience end-to-end.
UGA Finance — Merchant Sales Finance
UGA Finance is the merchant-facing originator. UGA helps retail sellers boost sales by giving customers full-spectrum financing options at the point of sale — across medical, home improvement, education, consumer goods, and more.
UAS — Third-Party Servicer
UAS is the third-party billing services provider. Once a contract is generated, UAS handles borrower communications, billing, payment processing, and account servicing through uPortal360 — on behalf of participating lenders and retail sellers.
Explore UAS Solutions →Built for Regulated, Institutional Environments
Institutional lenders need a partner that meets the standards their auditors, regulators, and risk teams expect. UAS maintains visible proof of operational discipline.
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Audited Controls
SOC 1 Type 2 and SOC 2 Type 2 reporting backs our operational and security controls.
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Information Security
ISO 27000-aligned program governs how borrower and partner data is handled and protected.
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Payment Security
PCI DSS compliance keeps card processing inside a controlled, audited environment.
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Licensed Servicer
Licensed as a third-party servicer and/or collector in states where licensing is required.
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NMLS Registered
NMLS #1060516 — accessible registration record for institutional due diligence teams.
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Vendor Risk Ready
Standard vendor-management packages, control attestations, and review materials available on request.
Want to See What UAS Could Do for Your Portfolio?
We're happy to walk through how UAS handles billing, communication, and collections support for institutional programs like yours.