No Collateral Business Financing

Horizon Business Funding specializes in providing business loan alternatives for business owners with bad credit or no collateral. When you apply for a bank loan, you are usually required to sign personal guarantees and put up collateral. Unlike bank loans, our financing programs require no collateral, and we do not put liens on your assets. Additionally, we have no minimum credit requirements. If you have bad credit or no collateral and have had trouble qualifying for bank loans, our small business financing program is a perfect alternative.

We provide fast approval and funding within 48 hours, so you can get the capital you need right away. Our financing loans range from $1,000 up to $1,000,000. Additionally, there is no fixed repayment term, and our payment plan is designed to put minimal strain on your business' cash flow.

How No Collateral Business Financing Works

Our no collateral business financing is issued on the basis of your future receivables. The amount of funding you receive is based on your monthly bank deposits. Your eligibility is not affected by your credit score, and no collateral is required. If you deposit at least $10,000 per month into your business bank account and have been in business for 3 months or more, then you will likely qualify. Once you are approved, we will advance your capital up front. After you receive your advance, we deduct a small fixed percentage from your daily sales until the full amount is paid back. This means that you will not be overburdened with payments when business is slow, and there is no fixed repayment term.
  • No collateral or liens on your property.
  • Receive funds within 48 hours.
  • No credit card processing required.
  • No application fee.
  • Bad credit is not an issue.
  • Bankruptcy and foreclosure OK.
  • Advances do not appear on your credit report.
  • No restrictions on use of funds.

Apply and Qualify

Applying for no collateral business financing is much simpler than applying for a bank loan. With bank loans, you are required to provide extensive documentation for review, including tax returns and business plans. Additionally, banks have strict credit requirements and generally put liens on your assets. On the other hand, to qualify for no collateral financing from Horizon, all you have to do is complete the form on this page. If you operate a business in the United States and are able to provide proof of revenue totaling at least $10,000 per month, then you will likely be approved. We approve 95% of all loan applications we receive.

If you are approved, one of our financial consultants will work with our underwriting department to determine how much money you qualify for. You will need to provide us with the following information:
  • 3 months of bank statements
  • 3 months of credit card processing statements (if available)

Even if your business does not process credit cards, you are still eligible to qualify for business financing, so don't hesitate to apply.
Get approved

* Please note that we do not offer financing for start-ups. Applicants must be able to show proof of revenue totaling $10,000 per month for at least 3 months.

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CALL TODAY AT 888-487-5509