Finally, a funding program that is easy to obtain, cost-effective, and controlled by the business owner. Unlike a Merchant Cash Advance (MCA), the factor rate only applies to the funds that you access. In other words, you only pay for what you use. There is no hard credit pull and it won't affect your credit utilization ratio.

  • πŸ’΅ Approvals of up to $100,000
  • 🚫 No set up fees, draw fees, or monthly fees
  • πŸ“ˆ No min. FICO requirement
  • πŸ’²PayNow discounts could save more than 95% of overall costs

Boost your spending power with our Flex Line

  • 〽️Flexible spending limits – Unlike other cards, our Business Card offers flexible spending limits based on your business.
  • πŸ“±Online merchant portal – Access your account 24 hours a day - review your balance, draw funds, check your payment schedule, request a spending limit increase, and more.
  • πŸ’³Use your card everywhere Access your account 24 hours a day - review your balance, draw funds, check your payment schedule, request a spending limit increase, and more.
  • πŸ’΅Available cash draw - Instantly request a cash draw to be deposited to your bank account.

Stop wasting money on MCA’s & use funds as YOU need it

For the same funding including renewals over a 12-month period, businesses can use the Flex Line and save $37,170 compared with an average MCA program. That’s more than $3k per month back in your pocket. See for yourself...


You may qualify if...

  • You're a U.S. business in operation for at least 6 months
  • You have a business bank account with avg. daily bank account balance of $1k +
  • Your bank balance doesn't have more than 3 negative days a month


Awesome group of professionals to be in business with. My representative was a significant help. I can't thank her enough for always being there every time I called or emailed. Strongly recommend this group!
Jorge C.

Jorge C.

Newark, DE

My business was in a rough spot and I was under a lot of stress. It was starting to seem like no one could help me with my financial struggles. Horizon was recommended by a business owner in my area, and it proved to be the best option out there. While other companies made the process of accessing financing seem like an uphill battle, the Horizon team came through for me right on time. Thank you!
Drew R.

Drew R.

Fayetteville, GA

The funding agent was very helpful and prompt with responses. I was able to provide all of the necessary information with their assistance. I have highly recommend working with them in the near future.
Paul N.

Paul N.

Charlotte, NC

Best customer service, very helpful, the agent was so polite and help me through the loan application. Thank you so much to the team!
Kieu S.

Kieu S.

Charlotte, NC

Horizon is very responsive and sensitive to the needs of the borrower
Rick P.

Rick P.

Dallas, TX

Small business funded

Expert Team

Our 5-star rated funding advisors are here to help you through the entire process


Higher Limit

We look beyond your personal credit score and can offer you much more


Fast Process

Our application is simple and you can start spending in as little as 5 minutes after approval


$4 B in Funding

Our team has provided over $1B in financing and PPP loans to over 113,000 businesses


Flexible Limits

The card + flex line offer flexible credit limits based on your business and won't affect your personal credit score