Alternatives to High Risk Business Loans

Loan Alternatives

High-risk business loans are offered by banks to finance businesses in what they classify as risky industries, or for owners with rocky credit histories. Some of these business owners may not have personal issues, but still must apply for specialized business loans because of the nature of their industries.

"High-risk loan" designations can severely limit funding options for owners of existing small businesses. Our financing programs are available for these businesses unsecured, even with bad credit.

How Horizon Can Help

Some of these business owners may not have personal issues, but still must apply for specialized business loans because of the nature of their industries.

High-risk lending programs have a few disadvantages, including a long wait for approval, requirements of collateral that could be repossessed in the event of a default, and the submission of detailed business plans that must be adhered to.

Horizon Business Funding provides alternatives to small business loans, that are flexible and fast, and created for business owners by business owners.

With no personal guarantees of collateral required, and an approval process that can go from you filling out the form on the right of this page to receiving a cash advance in as little as 48 hours, a merchant cash advance is perfect for pursuing time sensitive opportunities or growing your business.

How does merchant cash advance compare to loans for high risk industries?

In the spirit of keeping things simple, we've broken down what makes a merchant cash advance a great alternative to high risk funding programs by illustrating where Horizon Business Funding's programs and the needs of small business owners overlap.

What You Have:

  • Bad credit, existing loans, a high risk designation or any issue banks use to disqualify applicants.
  • A business you have been operating for at least 2-3 months. No startups.
  • Monthly gross sales of $15,000 or higher.
  • Interest in business loans to improve or expand your business.

What We Need:

  • You to fill out the form on the right of this page.
  • The completion of some easy steps that a representative will help you do over the phone.
  • You can live chat with a representative as well.

What You Don't Need:

  • Financing for your business that takes ages to get, while opportunity passes you by.
  • Demands for collateral which you could lose.
  • Restrictions on how you can use the money you apply for.

Does this sound like your small business? Then our funding programs could be just what you're looking for.

Apply now by filling out the form.

QUALIFY FOR UP TO $1,000,000!

  • 95% of applicants approved
  • Bad credit applicants accepted
  • No collateral required

Your Name


Email Address


Phone Number


Company Name






Business Type

Intended Use Of Funds

Monthly Gross Sales


Years in Business


How Did You Find Us?


Please check this box to confirm that the above information is correct to the best of your knowledge.*

* 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.

Liquid cash when you need it in a few easy steps, even for high risk clients.

Business owners who are trying to start their next steps or move on a limited time situation may not be able to take money out of their personal savings or current cash flow. If they are in industries classified as high risk, then it may take them an unacceptably long time to get approved for a high risk business loan.

A merchant cash advance is easy to apply for. By filling out the form, a helpful representative will call you shortly to assist you in completing the few steps towards having liquid cash appear in your bank account in as little as 48 hours.

When we grant you funding, we are effectively purchasing a portion of your future sales. Cash amounts range from $1,000 to $1,000,000.

Once your initial amount is 70% repaid, you have the option of refinancing for up to 200% of what you were originally cleared for.

A good example of what a merchant cash advance can do is an owner of a trucking business who gets an offer to ship more than his current fleet can handle. By getting direct capital, he can afford a new truck to handle the larger shipment, and then pay back the advance as a percentage of the increased sales he makes. If he had applied for a high-risk business loan, he may not have been able to obtain the money he needed in time to profit on that opportunity.

If you have a high-risk designation from banks, don't let it hold your business back any longer.

Apply now and embark on a funding relationship that will push forward your company's horizons.

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