Merchant Cash Advance

Merchant Cash Advance

Many small business owners are aware of the various types of bank loans available to them, from your typical small business loan to unsecured business loans. However, many who do not qualify or are looking for an alternative to these programs are unaware of what a merchant cash advance is. If you have asked yourself "what is cash advance?" or have never heard of one before, here is a brief description of the advantages for entrepreneurs it has over traditional business loan programs, and a short history on what a cash advance was designed to do.

Are you wondering "What is cash advance?" You've come to the right place.

Why is Merchant Cash Advance better than loans?

What is a merchant cash advance? It's a small business loan alternative that is quick and easy to get approved.

The essence of what a cash advance is comes from its specialized nature; designed for small business owners, Merchant cash advance programs are different than loans in a few key ways. A typical business loan from a bank will disqualify your application if you have bad credit, as well as demand tax records, business plans, and personal guarantees of collateral that you could lose. To evaluate all this takes time; you could wind up waiting over a month during the approval process, and have to appear at the bank location multiple times. 

In contrast, merchant cash advances are simple to get, all that is required to apply is that your business has been operating for at least 2-3 months and be making gross monthly sales of at least $15,000.

The underwriting process behind this type of financing is streamlined, and therefore, much faster than comparable bank loans. In fact, you can often go from application to receiving your cash advance in only 48 hours.

With no personal guarantees of collateral to make, what is cash advance not offering that loans do?

Merchant cash advances do not offer interest that can pile up, or fine print - all the terms of a cash advance are discussed with you over the phone with your dedicated representative.

Merchant cash advances do not rely on restrictive payment plans that can hamper your healthy business cash flow. Since they are designed with business in mind, payment is taken as a small daily percentage of your revenue, meaning that if you have a slow day or a slow week of sales, your payments will be automatically lowered.

Simple and fast access to liquid capital, as well as a customer experience that takes your personal needs into account is at the heart of merchant cash advance, created by business owners for business owners. 

Please be advised we do not fund start-ups or provide personal loans.

The History of Merchant Cash Advance.

The merchant cash advance industry was created to address a pervasive problem in the US: business owners with bad credit, bankruptcy, existing loans, no collateral, or designations as "high-risk" had and continue to have excessive difficulty applying for small business loans to improve or expand their businesses.

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.

What is cash advance?

It is the answer to this problem. What the cash advance industry is now, started about ten years ago with restaurant financing programs. From there, the industry grew to serve the needs of small business owners in all business models who need funding in a timely and unrestrictive manner.

Horizon Business Funding is unique among cash advance companies, with the fastest approval processes and cutting edge innovations backing our underwriting, allowing us to serve more business owners in less time. 

Besides speed, Horizon Business Funding specializes in providing funding for those who have had difficulty getting approved for small business loans, even if they have been rejected by other banks or cash advance companies.

We were founded on the idea that business owners who were responsibly growing their businesses, yet had bad credit or other issues, were being prevented from reaching their full potential by being cut off from traditional small business loan programs.

Since the time of our founding, Horizon Business Funding has grown at an incredible rate, confirming our belief that small business owners in the US are in need of alternative financing options.

Refinancing your merchant cash advance.

If you are a business owner who has been operating your business for at least 2-3 months, with gross monthly sales of $15,000 or higher, you can answer the question "what is cash advance able to do?" for yourself by applying on the right of this page. One of our courteous representatives will guide you through the simple steps it takes to get a merchant cash advance tailored to your business and ready for use in your bank account in as little as 48 hours.

One of the best parts of a merchant cash advance is the fact that once your original advance is 70% repaid you can refinance with us for up to 200% of the cash amount you originally received.

Our relationship based approach to small business financing allows us to work with you through every step of your businesses expansion and gives your business a funding resource that it can draw on whenever it needs to, without having to spend any time at a bank location.

If your business needs direct capital for any reason, don't hesitate to apply by filling out the form.

We do not fund start-ups, nor provide personal loans.

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