No Personal Guarantee Business Loan Alternatives

Loan Alternatives

As a small business owner, you will find yourself looking for loans to finance the growth of your business. It is natural that you want a loan without a personal guarantee required to keep your personal assets safe. Many banks require personal guarantees of collateral or property in order for them to give you funding, securing the liquid cash they give you against assets you could lose.

Alternatives to business loans to finance the growth of your small business, available with no personal guarantee of collateral to make.

No personal guarantee loan programs for small business owners are difficult to come by; to even apply you need to have a minimum credit score, tax returns, business plans, and spend valuable time at bank locations.

That's where Horizon Business Funding is changing the equation; our funding options are available without collateral or credit requirements, and they are faster to get approved than the unsecured loan programs touted by banks, so you can capitalize on opportunity as soon as it presents itself.

All of our funding terms are negotiated with you, the business owner, so there are no hidden fees or surprise interest payments to worry about.

Since we are not a bank, we are able to work with almost any business owner, even if they have existing loans, bad credit or a "high-risk loan" designation from lenders.

Personal guarantees of collateral or property put the health of your small business at risk. A merchant cash advance solves this issue. In terms of collateral, our unsecured advances grant you the peace of mind that you are not in danger of losing your property or equipment.

You are seeking direct capital to improve the health of your business, so why put it on the line? Our unsecured loan alternatives were created to address the problems faced by small businesses present in the traditional lending industry and give entrepreneurs options where none existed before.

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.

Our alternative to "no personal guarantee loans" explained.

Horizon Business Funding is a direct funder and not a bank, and we offer merchant cash advances, not small business loans. We give funding to small businesses in any industry, provided that the business has been operating for at least 2-3 months and has gross monthly sales of at least $15,000.

High-risk business models, existing loans or bad credit are not a problem as long as you fit these criteria. Simply fill out the form, and one of our experienced and courteous representatives will contact you to help you complete the steps it takes to have a cash advance appear in your bank account in as little as one business day.

Liquid cash amounts vary from $1,000 to $1,000,000. Another unique aspect of our program is that once you have repaid 70% of your advance, you can refinance with us for up to 200% of the first amount we gave you.

Horizon Business Funding's cash advances are more flexible than business loans and easier to obtain. Once cleared, you have total access to the cash amount we give you and can spend it as you see fit. Repayment is taken as a small percentage of your daily sales, so even if business slows down, cash flow will not be overtaxed.

Our goal is to empower small business owners with funding options that put them in charge of their financial future.

Apply now by filling out the form, and see what Horizon Business Funding can do to help your business grow.

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