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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                   ------------------------------------------

                                   SCHEDULE TO
                                 (Rule 14d-100)

            TENDER OFFER STATEMENT UNDER SECTION 14(d)(1) OR 13(e)(1)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                                (Amendment No. )*

                              United Capital Corp.
- --------------------------------------------------------------------------------
                       (Name of Subject Company (Issuer))

                              United Capital Corp.
- --------------------------------------------------------------------------------
                       (Names of Filing Persons (Offeror))

                          Common Stock, $0.10 par value
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   909912 1 07
- --------------------------------------------------------------------------------
                      (CUSIP Number of Class of Securities)

                                 A.F. Petrocelli
                              United Capital Corp.
                                  9 Park Place
                           Great Neck, New York 11021
                                 (516) 466-6464
- --------------------------------------------------------------------------------
                 (Name, Address and Telephone Numbers of Person
  Authorized to Receive Notices and Communications on Behalf of Filing Persons)

                                 With a copy to:
                              Steven Wolosky, Esq.
                 Olshan Grundman Frome Rosenzweig & Wolosky, LLP
                               65 East 55th Street
                                  Second Floor
                               New York, NY 10022
                            Telephone: (212) 451-2300
                            Facsimile: (212) 451-2222

                            CALCULATION OF FILING FEE
- --------------------------------------------------------------------------------
        Transaction Valuation*                 Amount of Filing Fee
             $24,500,000                               $0
- --------------------------------------------------------------------------------
* Estimated for purposes of calculating  the amount of the filing fee only. This
amount assumes the purchase of 1,000,000 shares of common stock, par value $0.10
per share,  at the maximum  tender offer price of $24.50 per share and a minimum
tender offer price of $23.50 per share in cash.


|_|  Check box if any part of the fee is offset as provided  by Rule  0-11(a)(2)
     and identify the filing with which the offsetting fee was previously  paid.
     Identify the previous filing by registration  statement number, or the Form
     or  Schedule  and the  date of its  filing.
          Amount Previously Paid: Not applicable. Filing Party: Not applicable.
          Form or  Registration
          No.:                    Not applicable. Date Filed:   Not applicable.






|X|  Check the box if the filing relates  solely to  preliminary  communications
made before the commencement of a tender offer.

     Check the  appropriate  boxes below to designate any  transactions to which
     the statement relates:
      |_|    third-party tender offer subject to Rule 14d-1.
      |X|    issuer tender offer subject to Rule 13e-4.
      |_|    going-private transaction subject to Rule 13e-3.
      |_|    amendment to Schedule 13D under Rule 13d-2.

Check the following box if the filing is a final amendment reporting the results
of the tender offer. |_|




ITEMS 1 THROUGH 9, AND ITEM 11.

     This Tender  Offer  Statement  on  Schedule  TO is filed by United  Capital
Corp., a Delaware  corporation (the "Company").  This Schedule TO relates to the
offer by the Company to purchase  1,000,000  outstanding shares of common stock,
par value $0.10 per share (the  "Shares") at a purchase  price of not in excess
of $24.50 and not less than $23.50 per Share,  upon the terms and subject to the
conditions  that  will be set  forth in the  Offer  to  Purchase  which  will be
available  on  December  5, 2005 (the  "Offer to  Purchase")  and in the related
Letter  of  Transmittal.  The  Company's  Offer to  Purchase  and the  Letter of
Transmittal  (which,  together  with  any  amendments  or  supplements  thereto,
collectively  constitute the "Offer") may also be obtained when available on the
Securities and Exchange Commission website http://www.sec.gov.

ITEM 10.    FINANCIAL STATEMENTS.

      Not applicable.

ITEM 12.    EXHIBITS.

(a)(5)(i)   Press release issued by Company, dated November 28, 2005.


                                                               Exhibit (a)(5)(i)

NEWS RELEASE                       NEWS RELEASE                     NEWS RELEASE


                                      SUMMARY:
                                      United Capital Corp. Announces
                                      "Dutch Auction" Self-Tender Offer to
                                      Repurchase up to 1,000,000 Shares

                                     COMPANY CONTACT:
                                     Anthony J. Miceli
                                     Chief Financial Officer
                                     (516) 466-6464

FOR IMMEDIATE RELEASE

GREAT NECK, New York,  November 28, 2005...  United  Capital Corp.  (AMEX:  AFP)
today  announced  that its Board of Directors has  authorized a "Dutch  Auction"
self-tender   offer  for  up  to  1,000,000  shares  of  its  common  stock,  or
approximately 12% of its outstanding shares. The offer will commence on December
5, 2005 and will expire at 5:00 p.m.,  New York City time,  on January 10, 2006,
unless the offer is  extended.  Under the terms of the offer,  the Company  will
invite  shareholders  to tender shares at prices  between  $23.50 and $24.50 per
share.  Terms of the Dutch Auction  tender offer are described more fully in the
Offer to  Purchase  and Letter of  Transmittal,  pursuant  to which the offer is
being made.

In a Dutch Auction,  the company sets a price range,  and stockholders are given
an  opportunity to specify prices within that range at which they are willing to
sell shares.  After the expiration of the tender offer, the company determines a
single per share  price that will  enable it to  purchase  the stated  amount of
shares, or such lesser number of shares as have been properly  tendered.  If the
tender offer is oversubscribed, shares validly tendered at or below the purchase
price will be subject to proration;  however,  in this instance,  United Capital
Corp. will not prorate shares tendered by any  shareholder  owning  beneficially
fewer than 100 shares in the  aggregate  as of December 2, 2005 who  continue to
beneficially  own fewer than 100 shares at the  expiration  of the offer and who
tender all such shares in the offer.  The tender offer is not conditioned on any
minimum number of shares being tendered.

United Capital Corp.  expects to fund the offer with  available cash  resources.
Its common  stock  price  closed at $22.60 on the  American  Stock  Exchange  on
November 25, 2005.

"The  repurchase of our shares is clearly the best  investment  available to our
company  at this time and is  consistent  with our long term goal of  increasing
shareholder value," noted A.F. Petrocelli, Chairman, President and CEO of United
Capital Corp.







Innisfree M&A Incorporated  will act as information  agent and Continental Stock
Transfer  & Trust  Co.  will act as  depositary  agent for the  offer.  Security
holders are advised to consult the Offer to Purchase,  the Letter of Transmittal
or the Notice of Guaranteed  Delivery  related to the offer and any questions or
requests  for  additional  copies  may be  directed  to the  information  agent,
Innisfree M&A Incorporated,  toll free at (888) 750-5834. The Offer to Purchase,
the Letter of  Transmittal or the Notice of Guaranteed  Delivery  related to the
offer  may also be  obtained  without  charge  on the  Securities  and  Exchange
Commission's web site, www.sec.gov.  Shareholders may also contact their broker,
dealer, commercial bank or trust company for assistance concerning the offer.

Certain  statements  in this  press  release  and other  statements  made by the
Company  or its  representatives  that are not  strictly  historical  facts  are
"forward-looking"  statements  within  the  meaning  of the  Private  Securities
Litigation  Reform Act of 1995 that should be  considered as subject to the many
risks and  uncertainties  that exist in the  Company's  operations  and business
environment.  The forward-looking  statements are based on current  expectations
and involve a number of known and  unknown  risks and  uncertainties  that could
cause the actual  results,  performance  and/or  achievements  of the Company to
differ  materially  from  any  future  results,   performance  or  achievements,
expressed or implied, by the forward-looking  statements.  Readers are cautioned
not to place undue  reliance on these  forward-looking  statements,  and that in
light of the significant  uncertainties inherent in forward-looking  statements,
the inclusion of such statements  should not be regarded as a representation  by
the Company or any other person that the objectives or plans of the Company will
be achieved. The Company also assumes no obligation to publicly update or revise
its  forward-looking  statements or to advise of changes in the  assumptions and
factors on which they are based.  See our 2004 Annual  Report on Form 10-K for a
discussion  of risk factors that could impact our future  financial  performance
and/or  cause actual  results to differ  significantly  from those  expressed or
implied by such statements.

United  Capital  Corp.  owns and manages  real estate and through  subsidiaries,
provides engineered products to industrial and automotive markets worldwide.


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