How It Works

How Financing Works

It only takes a few simple steps to apply and be approved for Horizon Business Funding's small business loan alternatives. On this page we will walk you through how financing works at Horizon Business Funding and explain the three different phases of a relationship with us. We take the complication out of working capital financing.

On this page you can learn about how financing works each step of the way.

Step 1: Application

Please be advised that we do not fund startups or provide personal loans. Small business owners who have been operating for at least 2-3 months and are making gross monthly sales of $15,000 or higher are encouraged to apply for financing. By spending a minute to complete the application form on the right of this page, you will be taking your first step towards getting approved and seeing cash appear in your bank account within the next 48 hours. After you submit, you will be matched with one of our courteous and professional representatives who will contact you shortly to further explain how our programs work for entrepreneurs.

Step 2: Qualification

95% of the small business owners who apply will qualify. From there, your personal representative will work with you and our top-notch team of underwriters to create a merchant cash advance plan that is customized to best accommodate your short and long-term goals. Due to the individualized nature of our service, you will need to provide us with the following information so that we can calculate how much funding you qualify for:

  • 3 months of bank statements
  • 3 months of credit card processing statements (if available)

When we give a merchant cash advance we want to ensure that it makes sense for your business. Please be advised that even if your business does not process credit cards you are still eligible to qualify for a merchant cash advance. We specialize in providing alternatives to bad credit business loans, so even if you have bad credit or outstanding loans, don't hesitate to apply now.

Step 3: Funding and Repayment

Congratulations! You have been approved, and the liquid cash amount you have been cleared for will appear in your bank account within the next business day. You may use the money as you see fit for your operations. When we give you cash up-front, we are effectively purchasing a portion of your future sales. After you receive your merchant cash advance, we collect a fixed daily percentage of the sales you make until the full amount has been paid off. If sales slow while you are paying back the advance, the amount deducted for repayment is reduced proportionally. This arrangement is ideal for small business owners, as you are never in danger of being overwhelmed by repayment and your business cash flow will be minimally affected, allowing you to focus on running your business. It's just one of the ways how financing works for small business.

Step 4: Refinancing

Once your initial advance is 70% repaid, you have the option to refinance for up to 200% of the cash amount you originally received and adjust how financing works for you with your representative. Horizon Business Funding is dedicated to helping the small business owners gain access to working capital who are underserved by other institutions. We aim to build relationships where small business owners can call on us whenever they need up-front capital to take their enterprises to new horizons.

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.

What Makes Us Different?

No Personal Guarantee

No Business Plans

Quick Approval

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 personal 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.

See for yourself how our financing works for small business

Horizon Business Funding combines speedy, comprehensive service with the highest acceptance rates and most flexible repayment plans around.

Apply now by filling out the form above.

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