Small Business Loans

Loan Alternatives

If your bank loan applications have been rejected due to bad credit, or for any other reason, our small business loan alternatives are a perfect alternative.

Horizon Business Funding specializes in providing small business loan alternatives to business owners who have had difficulty obtaining funding from banks or other lenders.

We provide fast approval and funding within 48 hours, so you can get the capital you need right away. Our loan alternatives range from $1,000 up to $1,000,000. Additionally, there is no fixed repayment term, and our payment plan is designed to put minimal strain on your business' cash flow.

How It Works

When we provide you with a small business loan alternative, we purchase a percentage of your future sales and advance your capital up front. After you receive your advance, we deduct a small fixed percentage from your daily sales until the full amount is paid back. This means that you will not be overburdened with payments when business is slow, and there is no fixed repayment term.

No collateral or liens on your property.

Receive funds within 48 hours.

No credit card processing required.

No application fee.

Applicants with bad credit histories are welcome.

Bankruptcy and foreclosure OK.

Advances do not appear on your credit report.

No restrictions on use of funds.

Apply and Qualify

Applying for a small business loan alternative is not the same as applying for a bank loan. With bank loans, you are required to provide extensive documentation for review, including tax returns and business plans. On the other hand, to qualify for one of our business loan alternatives, all you have to do is complete the form on this page. If you operate a business in the United States and are able to provide proof of revenue, you will likely be approved. We approve 95% of all loan alternative applications we receive.

If you are approved, one of our financial consultants will work with our underwriting department to determine how much money you qualify for. You will need to provide us with the following information: three months of bank statements; three months of credit card processing statements (if available)

Even if your business does not process credit cards, you are still eligible to qualify for a business line of credit, so don't hesitate to apply.

QUALIFY FOR UP TO $1,000,000!

  • 95% of applicants approved
  • Bad credit applicants accepted
  • No collateral required

Your Full Name


Company Name


Email Address


Phone Number






Gross Monthly Sales


* Please note that we do not offer financing for start-ups.

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