About USM Holding
Our Story
USM Holding was founded with a clear mission: to provide businesses with direct access to capital, without the complexity and opacity that too often characterizes the lending industry. Headquartered in Key West, Florida — at the very edge of the American mainland — we bring a unique perspective to business funding.
As a direct lender, we make our own funding decisions. There are no middlemen, no brokers taking a cut, and no black-box underwriting processes. When you work with USM Holding, you work directly with the people who make the decisions.
Our team, led by Shukhrat Rakhimov, combines deep financial expertise with a genuine commitment to understanding each business we serve. We evaluate opportunities holistically — looking beyond credit scores to understand revenue patterns, industry dynamics, and growth potential.
Clear terms, honest communication, no hidden fees. You know exactly what you're getting.
Because we're a direct lender, decisions are fast. No waiting for committee approvals or broker callbacks.
We succeed when our clients succeed. Our funding structures are designed to work with your cash flow, not against it.
Every deal is built on trust. We stand behind our commitments and expect the same from our partners.
Why Choose Us
No broker delays. We evaluate and decide in-house, getting you an answer and funding faster than traditional channels.
Work directly with decision-makers who understand your business. One point of contact from application to funding.
Funding tailored to your business model and cash flow patterns. We design solutions, not force-fit products.
Leadership
Founder & Principal
With extensive experience in financial services and a commitment to transparent business practices, Shukhrat founded USM Holding to provide business owners with direct access to the capital they need — without unnecessary complexity or middlemen.
Reach out to discuss your funding needs — no obligation, no pressure.
Contact Us