Horizon Business Funding Review | 2022

horizon business funding review

Horizon Business Funding is a unique business funding company that provides quick and easy financing to small businesses nationwide. 

With over 25 years of experience, Horizon has the knowledge and expertise to help companies grow and succeed. Horizon offers a variety of financing options, including merchant cash advances, lines of credit, and equipment leasing. 

They also offer a fast and easy application process, making it easy for businesses to get the funding they need.

Read this Horizon Business Funding review to learn everything you need to know about this company.

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About Horizon Business Funding: What is Horizon Business Funding?

Horizon Business Funding is a business loan program that provides financing to small businesses. The company was founded in 2006 and has grown to be one of the leading lenders in the industry. 

Horizon Business Funding offers a variety of loan options, including term loans, revolving credit, and bridge loans. They offer loans up to $500,000 with interest rates starting at 6%.

Currently, the Horizon Business Funding team has years of experience lending to small businesses and will work hard to find the best possible loan for your company. 

They also offer valuable advice and resources, such as comprehensive business plan reviews and networking events.

Why Choose Horizon Business Funding?

There are many reasons to choose Horizon Business Funding for your business financing needs. 

The business is a leading provider of small business loans, lines of credit, and merchant cash advances. They have a proven track record of helping companies grow and succeed.

Horizon funding will provide you with fast, flexible financing options that can be tailored to meet your unique needs. They will work with you to get your business the funding it needs to prosper. 

Also, they are committed to providing superior customer service and support. Their experienced team will work with you every step of the way to make the process easy and stress-free. 

Another exciting thing about this funding that distinguishes them is that they have a wide range of financing products available, so they can find the right option for your business. 

What Does Horizon Business Funding Offer?

Getting a Glimpse of National Business Financing

You’ll have three different financing choices to select from:

Term Loans for Businesses

  • Working Capital Without a Guarantee
  • For Business Term Loans, Business Credit Lines:
  • These are 5- to 10-year contracts.
  • There is no requirement for a minimum FICO score or collateral.
  • You can borrow up to $250,000.
  • Within 24-48 hours, approval is granted.
  • You’ll be given a monthly payment plan that can also be utilized to combine other debts.

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Unsecured Working Capital 

  • Unsecured Working Capital is available on maturities ranging from 6 to 24 months.
  • There is no requirement for a minimum FICO score or collateral.
  • You can get up to $1 million in operating capital.
  • Approvals take anything from 1 to 8 hours.
  • You only need to fill out a few forms, and you can get funded on the same day.

For Business Credit Lines

  • You can acquire 12-18 month terms for business credit lines with a 650 credit score. There is no requirement for collateral or a minimum FICO score.
  • Credit lines of up to $250k are available.
  • Within 24 hours, approval is given.
  • With no origination fees, you can withdraw the cash whenever needed.

Flexible Lines

Flexible Lines means the factor rate only applies to the funds you access, unlike a standard merchant cash advance. Another way is that you only pay for what you use. There will be no hard credit pull, and your credit utilization ratio will not be affected.

  • The amount of money that can be approved is up to $100,000.
  • No setup, draw, or monthly fees.
  • No minimum FICO requirements.

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HowHorizon Business FundingWorks

Horizon Business Funding is a company that provides business loans to small businesses. The company works with various lenders to find the best loan for each business. The company also has an expert team who can help businesses with their marketing and financial planning.

Also, they have a simple application process that does not require collateral. The simple application process is in three steps:

  • Apply
  • Underwrite
  • Get Funding


You will complete an online form, and one of the best funding consultants will assist you in finding the ideal solution for your specific business needs.

As a result, once you’ve finished your pre-qualification form, a funding advisor will contact you. Their goal will be to thoroughly understand your company and its financing requirements to provide you with the most relevant and personalized funding options. 

After speaking with your funding advisor, you will be provided a brief application and a list of papers that must be submitted for your application to be approved.


You’ll be guided through the straightforward, online underwriting processes, answering your questions.

Obtain Funding

After you’ve been authorized, you might have the funds you need in as little as 24 hours.

The professional underwriters will assess your file within one business day after receiving your completed application and supporting documentation. 

Your financing advisor will contact you by phone to discuss the programs you have qualified for. 

During this phone session, they will review your application with you, discuss your business performance, and learn about your intended use of cash.

To apply for Horizon Business Funding, click the link below.

What is the cost of getting Horizon Business Funding?

The cost of a loan with Horizon Business Funding depends on the type of loan you choose and the credit score of the business applicant.

Horizon Business Funding does not charge an application fee, so it won’t cost you anything to get started. However, it will cost you time and energy if you decide this isn’t the best option for you or if you complete everything only to find out you don’t qualify or aren’t satisfied with the service.

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Who Can Get This Funding?

Horizon Business Funding is for business owners who require a capital injection to help them establish, grow, expand, or even get out of a bad spot.

Beginners who have never received funding online before are looking for a quick and easy solution to borrow money with bad or good credit and no collateral.

Also, it’s for intermediates and experts who need to build and extend their enterprises and may have previously acquired a cash advance or other kind of financing and would like to get more funding to meet their needs.

You can’t apply for this funding if you desire accounts receivable finance if you have collateral and wish to use it. Other reasons that disqualify you include:

  • You’re looking for a personal loan or a business loan.
  • You meet the bank’s requirements and prefer to attempt that alternative instead.
  • You don’t want to spend a lot of money on a product.
  • Tire Kickers are a group of people that kick tires.
  • Lazy complainers.

Advantages and disadvantages


  • Within 24 hours, you may get up to $500,000 in funding.
  • Financing options are many.
  • A simple three-step application procedure is followed.
  • A minimum of 6 months in business is required.
  • Flex Line + Business Card


  • Only $500k is the upper limit.
  • Benefits that can improve your terms and prices aren’t ideal.
  • Mostly concerned with monetary advances.

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Horizon Business Funding Review

I’d have to say the quick financing solutions for company term loans and unsecured term loans with no minimum FICO and the speed with which you can get the cash. However, just because there’s no minimum FICO doesn’t mean it’s better.

It can induce many people to default, as well as mismanage the distribution of capital to people who cannot repay it. 

Perhaps revenue needs to be higher. Still, if people can’t make personal payments (pay their bills, etc.), it will cause a significant decline in people’s ability to repay their advances properly.


What is Horizon Business Funding?

Horizon Business Funding is a unique business funding company that provides quick and easy financing to small businesses nationwide. 

When was Horizon Business Funding founded?

Horizon Business Funding was founded in 2006.

Where is Horizon Business Funding based?

Horizon Business Funding is based in New York, New York.

How can you get Horizon Business Funding?

The simple application process is in three steps:

  • Apply
  • Underwrite
  • Get funding


Horizon Business Funding is a reliable and reputable company that provides its clients with top-notch services. Horizon Business Funding is the company to turn to if you require funding for your business. 



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