UCG: Unlock. Cut. Grow.
At Universal Consulting Group (UCG), we help restaurants do three things exceptionally well: Unlock savings. Cut unnecessary costs. Grow with confidence.
UCG: Unlock. Cut. Grow.
At Universal Consulting Group (UCG), we help restaurants do three things exceptionally well: Unlock savings. Cut unnecessary costs. Grow with confidence.
WELCOME
At Universal Consulting Group, we turn restaurant chaos into clarity — and profits. Our Business Restaurant Services are built to cut through the noise and boost your bottom line. Whether it’s slashing your FICA tax burden, eliminating excessive card processing fees, or securing lightning-fast funding to fuel your growth, we do the heavy lifting so you can focus on what you do best: delivering incredible food and unforgettable experiences.
Smarter solutions. Bigger savings. Real results.
WELCOME
At Universal Consulting Group, we turn restaurant chaos into clarity — and profits. Our Business Restaurant Services are built to cut through the noise and boost your bottom line. Whether it’s slashing your FICA tax burden, eliminating excessive card processing fees, or securing lightning-fast funding to fuel your growth, we do the heavy lifting so you can focus on what you do best: delivering incredible food and unforgettable experiences.
Smarter solutions. Bigger savings. Real results.
What Our Clients Say About Us
Mark J.
"UCG helped us uncover thousands in hidden processing fees and secure the FICA tax credit we didn’t even know we qualified for. Within weeks, our margins improved — and for the first time in a long time, we’re running lean and profitable."
Emily S.
I didn’t know where to start with all the financial pressure my restaurant was under. Universal Consulting Group stepped in, analyzed our costs, and helped us unlock major savings on credit card processing and payroll taxes. It felt like having a true partner who understood our struggles."
Ryan D.
"The team at Universal Consulting Group made it easy to access funding and identify savings opportunities we had been missing for years. They simplified everything — now I can actually focus on running the restaurant instead of putting out fires."
Struggling with financial stress? Let's navigate this together.
Frequently Asked Questions
Answers to common questions about Universal Consulting Group Services
What is Mortgage Forbearance?
Mortgage forbearance is an arrangement where your mortgage servicer or lender allows you to temporarily pause or reduce your mortgage payments if you’re facing financial hardship. However, it’s important to note that forbearance does not erase the debt—you are still required to repay the full amount later (helpful options will be available).
Forbearance can help if you’ve experienced:
Damage to your home from a natural disaster
Unexpected medical expenses
Job loss or income reduction
Additionally, there are available options for individuals who have suffered an economic injury due to a natural disaster. These options can help provide temporary relief while you recover financially.
How Do I Request Mortgage Forbearance?
We will contact your Mortgage Servicer as your liaison. We have highly escalated contacts with all lenders and servicers to best serve your unique situation.
We will obtain the Best Options: Request information about available forbearance or hardship program for your unique situation.
We Must Act Quickly: Some programs require that you request assistance within a specific timeframe after an event (like a natural disaster).
What Are My Mortgage Forbearance Options?
Forbearance options vary depending on your lender, loan type, and financial situation. Here are common types:
a) Paused Payments—Repaid After Forbearance Ends
You pause payments for a set period (usually three months up to 12 months).
Repayment Options: Options will be available when forbearance ends, each case is a case by case basis due to your unique situation.
b) Paused Payments—Repaid at the End of the Mortgage
Payments are paused for a set period.
Repayment: Missed payments are either added to the end of your loan or covered by taking out a new loan.
Consider:
Extending your mortgage term may lead to increased interest costs.
Loan modifications may be available for a new loan, with the paused payments added to the end of your mortgage term.
c) Payment Reduction—Repaid During the Mortgage Term
Your monthly payment will be paused during this forbearance period and may be temporarily reduced in future, subject to lender approval.
Repayment Options: The reduced amount may be spread out and added to your future payments, this may increase your monthly payment for a period but unlikely due to federal mandates.
Consider:
Your monthly payment may or may not increase when you start repaying the reduced amount subject to investor guidelines.
Interest may or may not continue to accrue on the unpaid portion subject to investor guidelines.
What Should I Consider Before Choosing Forbearance?
Repayment Terms: Understand when and how you’ll repay the paused/reduced amounts.
Interest Accrual: Confirm whether interest will continue to accrue during forbearance.
Impact on Loan: Ask how it will affect the length and cost of your mortgage.
Are There Options for Those Affected by Natural Disasters?
Yes, if you’ve suffered an economic injury due to a natural disaster, there are additional relief options available:
Disaster Forbearance Programs: Special programs designed to provide temporary payment relief.
Extended Forbearance Periods: Longer timelines to pause payments based on the severity of the disaster.
Flexible Repayment Options: Options to add missed payments to the end of your loan term or spread them out over time.
Make sure to notify your mortgage servicer as soon as possible if your financial hardship is linked to a natural disaster, as some programs have specific deadlines to apply.
Can I Get Forbearance for Auto Loans and Credit Card Payments?
Yes, many lenders and credit card companies offer forbearance or hardship assistance programs for individuals facing financial difficulties however most consumers do not know the program guidelines..
Auto Loan Forbearance:
What It Is: Temporary suspension or reduction of your auto loan payments.
We will request this assistance for you: We will contact your auto lender(s) and explain your hardship based upon the federal mandates and guidelines.
Considerations:
1. Interest may or may not continue to accrue during the forbearance period, subject to creditor/lender approval.
2. You may or may not need to repay missed payments through a lump sum or by extending the loan term, subject to creditor/lender approval.
Credit Card Payment Forbearance:
What It Is: Temporary reduction or suspension of your minimum monthly payments.
We will request assistance for you: We will contact your credit card issuer(s) and explain your hardship based upon the federal mandates and guidelines about hardship programs.
Considerations:
1. Interest may or may not accrue, though some programs offer reduced rates.
2. These programs should not affect your credit score.
If you’re facing widespread financial hardship, it’s often beneficial to request assistance for all of your major debts, including mortgage, auto loans, and credit cards.
Frequently Asked Questions
Answers to common questions about Universal Consulting Group Services
What is Mortgage Forbearance?
Mortgage forbearance is an arrangement where your mortgage servicer or lender allows you to temporarily pause or reduce your mortgage payments if you’re facing financial hardship. However, it’s important to note that forbearance does not erase the debt—you are still required to repay the full amount later (helpful options will be available).
Forbearance can help if you’ve experienced:
Damage to your home from a natural disaster
Unexpected medical expenses
Job loss or income reduction
Additionally, there are available options for individuals who have suffered an economic injury due to a natural disaster. These options can help provide temporary relief while you recover financially.
How Do I Request Mortgage Forbearance?
We will contact your Mortgage Servicer as your liaison. We have highly escalated contacts with all lenders and servicers to best serve your unique situation.
We will obtain the Best Options: Request information about available forbearance or hardship program for your unique situation.
We Must Act Quickly: Some programs require that you request assistance within a specific timeframe after an event (like a natural disaster).
What Are My Mortgage Forbearance Options?
Forbearance options vary depending on your lender, loan type, and financial situation. Here are common types:
a) Paused Payments—Repaid After Forbearance Ends
You pause payments for a set period (usually three months up to 12 months).
Repayment Options: Options will be available when forbearance ends, each case is a case by case basis due to your unique situation.
b) Paused Payments—Repaid at the End of the Mortgage
Payments are paused for a set period.
Repayment: Missed payments are either added to the end of your loan or covered by taking out a new loan.
Consider:
Extending your mortgage term may lead to increased interest costs.
Loan modifications may be available for a new loan, with the paused payments added to the end of your mortgage term.
c) Payment Reduction—Repaid During the Mortgage Term
Your monthly payment will be paused during this forbearance period and may be temporarily reduced in future, subject to lender approval.
Repayment Options: The reduced amount may be spread out and added to your future payments, this may increase your monthly payment for a period but unlikely due to federal mandates.
Consider:
Your monthly payment may or may not increase when you start repaying the reduced amount subject to investor guidelines.
Interest may or may not continue to accrue on the unpaid portion subject to investor guidelines.
What Should I Consider Before Choosing Forbearance?
Repayment Terms: Understand when and how you’ll repay the paused/reduced amounts.
Interest Accrual: Confirm whether interest will continue to accrue during forbearance.
Impact on Loan: Ask how it will affect the length and cost of your mortgage.
Are There Options for Those Affected by Natural Disasters?
Yes, if you’ve suffered an economic injury due to a natural disaster, there are additional relief options available:
Disaster Forbearance Programs: Special programs designed to provide temporary payment relief.
Extended Forbearance Periods: Longer timelines to pause payments based on the severity of the disaster.
Flexible Repayment Options: Options to add missed payments to the end of your loan term or spread them out over time.
Make sure to notify your mortgage servicer as soon as possible if your financial hardship is linked to a natural disaster, as some programs have specific deadlines to apply.
Can I Get Forbearance for Auto Loans and Credit Card Payments?
Yes, many lenders and credit card companies offer forbearance or hardship assistance programs for individuals facing financial difficulties however most consumers do not know the program guidelines..
Auto Loan Forbearance:
What It Is: Temporary suspension or reduction of your auto loan payments.
We will request this assistance for you: We will contact your auto lender(s) and explain your hardship based upon the federal mandates and guidelines.
Considerations:
1. Interest may or may not continue to accrue during the forbearance period, subject to creditor/lender approval.
2. You may or may not need to repay missed payments through a lump sum or by extending the loan term, subject to creditor/lender approval.
Credit Card Payment Forbearance:
What It Is: Temporary reduction or suspension of your minimum monthly payments.
We will request assistance for you: We will contact your credit card issuer(s) and explain your hardship based upon the federal mandates and guidelines about hardship programs.
Considerations:
1. Interest may or may not accrue, though some programs offer reduced rates.
2. These programs should not affect your credit score.
If you’re facing widespread financial hardship, it’s often beneficial to request assistance for all of your major debts, including mortgage, auto loans, and credit cards.
