Small Business Financing

The recession, lack of available small business loans from traditional banks and tough competition from large corporations are taking their toll on American small business owners. Business loan rates of approval are lower due to the financial turmoil at home and abroad. Are you among the many owners of a small business who have been denied a loan or financing because of a “high risk” classification, bad credit, outstanding loans or any other reason? At Horizon Business Funding we understand that access to small business financing is crucial for American businesses to succeed and grow despite the negative economic climate. We do not offer bank loans, what we offer are small business financing programs with an array of funding options for small business owners to choose from.

Since we do not provide loans, we do not disqualify those looking for financing based on bad credit, nor do we require any valuation of assets and no personal guarantees of collateral. What we do offer are merchant cash advances, which have a few key advantages over a traditional loan. Banks can take over a month to evaluate your credit and property, and when they decide to provide financing banks often require collateral which you can lose in the event of a default. In contrast, based on three months of financial records indicating cash flow of at least $10,000 per month and the completion of some easy steps, our underwriters will determine the amount of cash we can send you, without the need for any collateral or credit.

How Horizon Small Business Financing is Different

Horizon Business Funding specializes in same day approval, and once cleared the financing amount will be appear in your bank account in as little as 24 hours and then can be used in whatever manner you wish. As a business owner, we trust you to use the financing we provide in the best way possible.
At Horizon Business Funding we are passionate about the success of the small business owners we work with, and aim to build financing relationships based on good business practice and trust. After an initial cash advance is 50% repaid, business owners have the option of refinancing for up to 200% of the original funded amount, and can continue to refinance as their business grows. We are not a traditional lending bank; we are in the business of helping small business.