Financing You Can Depend On
United Financial provides Clear and Simple Financing for Fire Departments, First Responders, and Municipalities

About United Financial

For over 30 years, our vision and focus has been to provide the right finance structure to the Fire Service, First Responders and Municipal Government.

Our pledge is to listen to our customers and develop programs to expand their purchasing power, meet their purchase timing requirements, and to make it all happen seamlessly and affordably.

Whatever your essential use needs may be, we pride ourselves in our ability to support the purchase of what you need, when you need it.

Meet Our Team


John M Tench

SVP, Director of Municipal Finance

Our clients call us for a variety of reasons. They are often excited about purchasing new apparatus or equipment, constructing a new building, or expanding an existing facility. Supporting their vision to better serve their communities is the driving force behind what we do. I strive to create solutions where the customer is at the center of the transaction. By listening to what the client wants to achieve, we distinguish ourselves from other financial providers by providing finance transactions the way the client wants it to work.

Client Focus
I enjoy serving volunteer fire departments, first responders, as well as local and state government by providing custom-tailored finance plans that meet their needs for today as well as into the future.

39 years of lending experience.

B.A. from Grove City College.
Graduate of the Banking School of the South @ LSU

Cheryl Burleson

Municipal Finance Team Lead

I take great pride in working for our customers, the volunteers and professionals who serve our communities so diligently. It is my goal to build long lasting relationships by understanding my customer’s specific needs and delivering excellent customer service.

27 years in finance and banking

Houghton College, BS: Business Administration/Communications

Lindsey Robinson

Municipal Lease Specialist

I believe in building long and lasting relationships with our customers enabling them to better serve their communities. I have a passion for helping people and do so by providing them personalized customer service.

7 years in finance and banking

Western Carolina University, BS: Elementary Education/History

Dawn Moore

Municipal Finance Specialist

Good relationships are foundational to a strong community, and I am excited to offer superior support to our clients as they work for the good of their local area.

20 years in banking and administrative support

Appalachian State University; B.S. Business Administration / Finance

The United Financial Finance Transaction Flow Process

1. Complete the Customer Profile and Request for Information Package.
  • We will call you so you can share your thoughts on the finance structure with us.
2. Email, fax or mail the Profile and Information Package to United Financial.
  • We will review your information.
3. You will receive a written proposal on the finance structure.
  • If approved, our written proposal will outline the finance structure of your loan, lease or line of credit.
4. We prepare documents for execution based on the signed proposal.
  • We travel to you and close the finance transaction face-to-face.
5.We complete the underwriting, approval*, and documentation process.
  • We File/Register the collateral documents.
  • We fund the purchase when you are ready to have it funded.

Ready to Start?

*Pre-Approvals are available if needed.