Payment Terms

Payment Terms for Your Cabinet Project

Name: Universal Factory Direct
Address: West Palm Beach, FL, US
Telephone: (561) 666-1026
Price range: $$

Simple, transparent payment terms keep our factory-direct pricing as low as possible for homeowners across Palm Beach County, Broward County and the Treasure Coast.

Get a Free Quote (561) 666-1026

Bathroom vanity cabinet installed after payment in full was collected at time of sale

30%–60%

Off retail

30%–60%

Off retail pricing

Free

Design consultation

5 Brands

US Cabinet Depot, Forevermark Cabinetry, ROC Cabinetry, Waypoint & WeatherStrong Outdoor Living

2–4 wks

Typical delivery

Local Pick Up

Available within 3 days with limited lines and colors

How It Works

Payment in Full at Time of Sale

Due to our significant discounts, we work on very thin margins, and our delivery services are third-party companies that do not accept COD deliveries. Therefore, payment in full is required at the time of the sale, just like Amazon and the big box stores.

Factory-Direct Pricing

We cut out retail markup by buying directly from manufacturers, have extremely low overhead and deep volume discounts, all contributing to keeping your total project cost 30%–60% below typical retail stores and significantly less than the high-end boutique store. In addition, we show you the Retail List Price and what your discount (on that line, style and color) would be, so any changes or revisions you want to make would be at the same discount percentage, allowing you to control what you spend.

Cash Pricing Discounts

We offer cash pricing discounts, accept checks, ACH and Zelle, which are subject to sales tax, and accept all major credit cards subject to tax and a 3.5% processing fee.

Accepted Payment Methods

Payment Methods and Order Confirmation

Cash

Cash purchases qualify for our best available cash pricing discount, on top of already discounted factory-direct pricing.

Checks, ACH and Zelle

Personal and business checks, ACH bank transfers and Zelle payments are accepted, subject to applicable sales tax.

Credit Cards

Visa, Mastercard, American Express and Discover are accepted, subject to sales tax and a 3.5% processing fee.

Order Confirmation Process

All orders are placed the day the order is Paid in Full.
An order number and company contact information is sent to the customer with estimated shipping / delivery date or available for pick up.
Ongoing communication, via email or text, will take place as new or updated information occurs.

Why We Structure It This Way

Why Payment Is Collected Up Front

Unlike a traditional retail store with a large sales floor and inventory on hand, Universal Factory Direct operates on a lean, semi-virtual model that passes the savings on to you in the form of 30%–60% off retail off typical retail pricing. That lean model depends on a straightforward payment process: once your order is finalized and your written, itemized quote is signed, payment in full is collected before we place the order with the manufacturer and schedule delivery.

This is the same approach used by Amazon and most big box retailers, and it exists for a practical reason, not an inconvenient one. Our delivery is handled by third-party freight and white-glove delivery companies that do not accept cash-on-delivery payments, so collecting payment in full ahead of time keeps your order moving without delays caused by payment coordination on delivery day. It also lets us keep our margins thin and pass the difference on to you as a lower price, rather than carrying the overhead of financing programs, interest arrangements, or in-house credit accounts.

Cash pricing discounts

Customers who pay by cash receive our best available cash pricing discount on top of pricing that is already 30%–60% off retail below standard retail. If keeping your total project cost as low as possible is the priority, ask your design consultant about the current cash discount during your free design consultation.

Checks, ACH and Zelle

We also accept personal and business checks, direct ACH bank transfers, and Zelle payments. These methods are subject to applicable Florida sales tax, the same as any other sale, but do not carry an additional processing fee the way credit cards do, which makes them a popular choice for homeowners who want to avoid card fees without carrying cash.

Credit cards

For convenience, or to earn rewards on a large purchase, we accept all major credit cards, Visa, Mastercard, American Express and Discover. Credit card payments are subject to sales tax plus a 3.5% processing fee, which simply covers the cost the card networks charge us to process the transaction. We disclose this fee up front on your written quote so there are no surprises when it is time to pay.

What to Expect

How Payment Fits Into Your Project Timeline

Payment comes after design, not before. You will always see a written, itemized quote for your kitchen cabinets, bathroom vanity, outdoor kitchen cabinets, or closet system before any payment is requested. Once you approve the quote and select a payment method, we collect payment in full, place the order with the manufacturer, and begin tracking delivery to your home in Palm Beach County, Broward County or the Treasure Coast.

Receive a written, itemized quote before any payment is discussed
Choose cash, check, ACH, Zelle or a major credit card
Ask about current cash pricing discounts during your free consultation
Credit card payments are subject to tax plus a 3.5% processing fee
Payment in full is collected before the order ships, the same as Amazon and the big box stores
No in-house financing, interest charges or credit applications to manage

If you have questions about how payment timing works for your specific project, call (561) 666-1026 or reach out through our contact page. A design consultant will walk you through your written quote and the exact payment steps for your order before you commit to anything.

Comparing the Numbers

Factory-Direct Pricing Does the Heavy Lifting

Because our standard pricing already runs 30%–60% off retail below comparable retail on lines like US Cabinet Depot, Forevermark Cabinetry, ROC Cabinetry, Waypoint Living Spaces, and WeatherStrong, most customers find that paying in full with a cash discount, a check, or ACH ends up being the simplest and most affordable way to complete a kitchen, bath, closet or outdoor kitchen project. There is no interest to track, no monthly statement, and no financing application to submit, just a clear, written total and a payment method that fits your household.

Ready to see your numbers? Schedule a free design consultation and we will put together a written, itemized quote so you can decide which payment method works best for your project.

Curious what your project would cost?

Get a free, no-obligation quote and review payment options in the same visit.

Get a Free Quote (561) 666-1026

Answers

Frequently Asked Questions

Why is payment in full required at the time of sale?

Do you offer a discount for paying cash?

Yes. We offer cash pricing discounts on top of our already discounted factory-direct pricing.

What other payment methods do you accept?

We accept checks, ACH bank transfers and Zelle, all subject to sales tax.

Can I pay with a credit card?

Yes. We accept all major credit cards, Visa, Mastercard, American Express and Discover, subject to sales tax and a 3.5% processing fee.

Do you still offer financing plans?

We no longer offer third-party financing plans. Instead, we keep pricing as low as possible for every customer by offering cash discounts, and by accepting checks, ACH, Zelle and major credit cards. Ask your design consultant to walk through the numbers during your free design consultation.

Talk to Us About Payment Terms

Ask about current payment methods and cash pricing discounts as part of your free design consultation.

Joe Grushkin, owner of Universal Factory Direct

Call: (561) 666-1026
Email: info@ufd1.com
Service area: Serving Palm Beach County, Broward County and the Treasure Coast (all surrounding areas)
Hours: Mon–Fri 9:00am–5:00pm, Sat by appointment