Frequently Asked Questions

What can Horizon Business Funding do for My Business? How does Horizon Business Funding’s small business financing work? How is a merchant cash advance different from a business loan? How much cash can I receive? How can I qualify?

Q. What can we do for your business?

A. Horizon Business Funding specializes in building relationships with small business owners who require fast and reliable financing for their businesses. We do not offer traditional bad credit business loans or secured loans, and therefore are able to get liquid cash infusions to business owners who need them lighting fast and with no personal guarantee of collateral required. We offer alternative business financing and specialize in same day acceptance for qualified applicants, who can get access to direct capital in as little as 48 hours.

Please note that we do not provide start-up grants or personal loans, your business must be at least 3 months old to qualify.

Q. How much cash can you receive?

A. Depending on your monthly revenue, our cash advances range from $1,000 to as much as $1,000,000, with no restrictions on how you use the money once you get it.

Q. How does our small business financing work?

A. Our underwriters will determine the initial amount of small business financing you receive based off of three months of your financial records indicating gross monthly sales over $15,000. Once you are approved, you are free to use the funded amount for anything you may require, including paying off mortgages, purchasing equipment, payroll or paying outstanding loans. How you use the money is up to you, the business owner.

Once your advance is 70% repaid, you have the option to refinance for up to 200% of the original amount of funding you received.

There is no limit to the amount of times you can use our service, and we aim to be a resource that you can count on for whenever you need small business funding.After you receive the funding, we deduct a small fixed percentage of your bank deposits until the cash advance is repaid. Essentially, a portion of your future earnings are purchased, which allows us to give you liquid cash up-front when you need it. Our payment plan is designed to be proportional to your earnings and put minimal strain on the cash flow of your business so that you will never be overburdened by payments when sales are fewer.

Q. How is a merchant cash advance different from a loan?

A. A merchant cash advance is different from a bank loan in a few key ways. Bank loans require minimum credit scores and take stock of your assets to use as collateral. This process means that it can take upwards of a month for a traditional business loan to be processed, and once approved you must put your assets on the line through a personal guarantee of collateral. In a worst case scenario, you could lose your property or receivables, or be rejected outright because of bad credit or other issues. Horizon Business Funding’s cash advances are available to a broad range of merchants, including those with bad credit, and we require no personal guarantees of collateral in order to clear a liquid cash infusion for an enterprise. Furthermore, thanks to our streamlined underwriting process, we can approve deals often on the same day they are submitted.

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.

Q. What Makes Us Different?

It is our belief that small business owners who cannot get the financing they require from traditional lenders should still have options.Therefore, we do not require business plans to approve funding, and need no person guarantee of collateral from business owners seeking our merchant cash advance services. A merchant cash advance functions like a purchase of a portion of your future sales. What this means is that if we agree to provide you with direct capital financing, we are invested in your success. We offer small business funding starting at $1,000 up to $1,000,000 to existing businesses in any industry, meaning the business must be at least 2-3 months old.

Q. How can I qualify?

A. In order to be eligible for our small business funding programs, you must own your business, have been operating for at least 3 months, and have bank records indicating revenue of at least $15,000 a month. Bad credit, previous loans or advances and even recent bankruptcy are not a problem.

Simply fill out the application form, and one of our seasoned representatives will contact you as soon as possible to work out a plan that makes sense for you and your goals for the future.

For more information or assistance, please feel free to contact us at 888-487-5509, or fill in the application form.

No Personal Guarantee

No Business Plans

Quick Approval

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