Small Business Financing

Loan Alternatives

The recession, lack of available small business loans from traditional banks and tough competition from large corporations are taking their toll on American small business owners. Business loan rates of approval are lower due to the financial turmoil at home and abroad. Are you among the many owners of a small business who have been denied a business loan because of a "high risk loan" classification, bad credit, outstanding debt or any other reason?

Small business financing for existing businesses based on personal attention and funding speed.

At Horizon Business Funding, we understand that access to small business financing is crucial for American enterprise to succeed and grow despite the negative economic climate. We do not offer bank loans, what we offer are small business financing programs with an array of options for small business owners to choose from.Since we do not provide business loans, we do not disqualify those looking for small business financing based on bad credit, nor do we require any valuation of assets and no personal guarantees of collateral.

What we do offer are merchant cash advances, which have a few key advantages over a traditional loan. Banks can take over a month to evaluate your credit and property, and when they decide to provide financing banks often require collateral which you can lose in the event of a default. In contrast, based on three months of financial records indicating cash flow of at least $15,000 per month and the completion of some easy steps, our underwriters will determine the amount of cash we can send you, without the need for any collateral or a minimum credit score.

The benefits of financing a small business with a merchant cash advance.

In the spirit of keeping things simple, we've broken down what makes a merchant cash advance a great alternative to funding business growth with traditional loans by pointing out where Horizon Business Funding's programs and the needs of small business owners meet.

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.

How Horizon Small Business Financing is Different

Horizon Business Funding specializes in same day approval, and once cleared the financing amount will be appear in your bank account in as little as 48 hours and then can be used in whatever manner you wish. As a business owner, we trust you to use the financing we provide in the best way possible. Liquid cash amounts range from $1,000 to $1,000,000. After an initial cash advance is 70% repaid, business owners have the option of refinancing for up to 200% of the original funded amount, and can continue to refinance as their business grows. At Horizon Business Funding we are passionate about the success of the small business owners we work with, and aim to build financing relationships based on good business practice and trust. We are not a traditional lending bank; we are in the business of helping small business owners push forward their horizons.

TOP css.php