• (407) 467-4542

A Full Service National Finance Company

Universal Mortgage & Financial Consultants Inc is a full service national financing company established in Central Florida. We provide a full spectrum of financial solutions for all types of commercial properties and businesses specializing in hospitality and commercial real estate funding as well as sophisticated merger and acquisition advisory to raising equity and debt financing.

We differentiate ourselves from other financial sources by being driven by the challenge of meeting the client’s needs, and the professional satisfaction we experience when we can achieve results which exceed our client’s expectations.

Universal Financial has built the infrastructure and relationships required to provide these services at the highest level.

We believe that carefully aligning our interests with those of our clients should always be the hallmark of our philosophy.


Universal Mortgage is better known in the industry as the Hospitality Experts. Our highly dedicated team focuses solely on connecting the capital markets to the hospitality Industry to meet our client’s needs for acquisition, development, improvement or refinancing of their hotel real estate. Every hotel project is unique and therefore it takes an experienced specialist that understands the hotel market, the dynamics of hotels, and the hotel industry.


At Universal Mortgage, we understand our clients’ needs will vary according to their business model, and therefore we have the ability to raise capital for a broad range of companies – spanning over 40 businesses and sectors.

Universal Mortgage can assist your business with placing equity and debt for publicly, privately, and family owned companies. We have the capability to raise capital from $5 to $500 million and with our equity partners can provide creative lending options and financiang alternatives for your business.


Working for Our Clients' Success

Unviersal Mortgage is a dynamic and creative boutique consulting firm established in 2002 and based in Central Florida. With 40 years of experience in the financial sector, Universal has become synonymous with Hospitality & Commercial Finance – and we are known for getting the deal done. Through our national network of lending institutes and private hedge funds, nothing is impossible for success. Let us put our expertise at work for you!


The Honorable V.M. Patel

Founder (1939 - 2016)

VM Patel was the founder of Universal Mortgage and has been an expert in the Finance sector for over 40 years. Born in Gujurat India, VM initially established himself in London, England. Prior to launching Universal, VM was an owner and developer of hotels & senior living communities in the UK, which provided him keen insight into the hospitality industry. VM had formed relationships that span the US, UK and India and propelled Universal Mortgage to become a household name in finance, helping clients find the right solution to achieve success. He mentored the Universal team well and his legacy will live on through his hard work and dedication.


Niraj V. Patel


Niraj VM Patel, brought up in Florida and born in London encompasses over 20 years of experience in commercial finance and real estate transactions. Niraj specializes in structuring various types of financing and negotiations for commercial Real Estate assets including acquisitions and mergers. His knowledge and experience in underwriting complex scenarios enables him to structure loans for successful closings. Niraj is responsible for funding over $750 million in commercial real estate transactions, acquisitions, and debt refinancing. He believes only through relationships can you make the impossible possible.


Sonny Sharma

Vice President | Licensed Florida Real Estate Broker

Sonny Sharma has been in the financial services and real estate industry since 2002. His experience of owning his own mortgage brokerage firm and managing a title insurance company in Central Florida, has gained him keen insight in the real estate and finance market. Sonny is also a licensed Real Estate Broker in the state of Florida and has joined Universal to expand the company into other verticals. Recently, Sonny Sharma and Jay Patel launched a Millennium Title Group and became an agent for one of the largest national title insurance companies. Finance, Real Estate and Title are now under one umbrella.


Jay Patel

VP of Marketing & Sales

Jay Patel has been a pioneer in establishing Universal Mortgage with Niraj and his father. Jay has over 30 years of experience in finance, management and real estate. Jay is the backbone of the company since its inception. After successfully launching several businesses, including gas stations, hotels, resorts and other entrepreneurial ventures before joining the family business once again to take it to the next level. Recently, Jay and Sonny launched Millennium Title Group together establishing an agency with a top tier nationwide title insurance company.


Our Services.

Our quality standards apply also in terms of service, technical expertise and advice. Our dedicated employees are happy to assist you with know-how and experience in your daily business.

Funding Partners

  • Local & National Banking Institutes
  • Private Equity & Debt Providers
  • Government Guarantee Lending Institutes
  • Furniture, Fixtures & Equipment Financing
  • Bridge Funding 2 - 3 years
  • Investment Banking Funds

Funding Assets

  • Hotels - Boutique to Full Service
  • Apartment Complexes
  • Strip Centers
  • Medical Offices
  • Operating Companies
  • RV Parks
  • Gas Stations
  • Assisted Living Facilities
  • Nursing Homes
  • Food Franchises
  • Office Buildings
  • Mobile Home Parks


  • Securitized programs (CMBS)
  • Private Capital
  • Conventional Banks
  • Credit Unions
  • SBA  (504 & 7A)
  • USDA
  • Management Buy out loans
  • FF&E Financing Programs
  • Private Placement Funds
  • Corporate divestitures
"We are here to create wealth for our clients and their families with
our honesty, integrity and knowledge to create visionary entrepreneurs
of the future in their business needs."
Niraj V. Patel, President

Let's Get In Touch.

We welcome you to contact us for more information
about any of our products or services.

  • 7411 International Drive Orlando, FL 32819
  • sonny@universalmfc.com
  • niraj.universal@gmail.com
  • Sonny: 407.350.1472
  • Niraj: 407.467.4542