Every Business Is Different & So Is Our Approach

There is no single funding solution that works for every business. That’s why we take the time to learn about your business, your goals, and your financial situation before recommending anything. Our team of funding professionals has worked with businesses of all sizes and across many industries. Whether you run a restaurant, a retail shop, or a service-based company, we look at your full picture, not just a credit score, to find a business funding solution that fits you.

Even if your credit history is not perfect, we can still help. We work with you to understand your situation and connect you with a funding option that makes sense. We never push a one-size-fits-all product on our clients.

Faster Funding Through Smarter Technology

Small businesses cannot afford to wait weeks or months for a decision. According to a 2024 report from Canopy Servicing, 44% of small business owners don’t even apply for funding because they fear they won’t qualify and traditional banks often approve less than 15% of small business loan applications.

We built our process to be different. Our technology makes applying fast, simple, and paperless:

• Connect your bank accounts directly from your phone using our bank aggregation tools
• No manual data entry, no printing, no faxing
• Receive real-time updates by text and email throughout the entire process, from application to funding to renewal

We stay current with new tools and systems so your experience keeps getting better. Our goal is to give you access to capital without the headache. Learn what the new SBFA board changes mean for business funding industry.

Accessible & Informed: Our Commitment to Personalized Service

When you call Horizon Funding Group, you will not reach a call center or an automated response. You will speak directly with our owners, John and James, who have decades of hands-on experience in small business finance. Our storefront has served our local community for over a decade. John and James are deeply rooted here, and their values come straight from their mother, Linda, who has been a business owner for over 52 years. That kind of background shapes how we operate every day.

As John and James put it: “This is where we learned the importance of relationships. To gain a customer for years is so much more important than trying to make the most money in one transaction. In a world with so much uncertainty, finding someone you can trust is worth more than the financing you are looking to obtain.”

We are also affiliated with the Small Business Finance Association, which holds us to the highest standards in the industry. And beyond day-to-day service, we actively lobby on the state and federal level to fight for fair policies for Main Street business owners like you. Apply Now at app.horizonfundinggroup.com. Our application takes just a few minutes and will not affect your personal credit score.

No Hidden Fees & No Surprises

We believe in providing our clients with transparent and honest service. Financing can be complicated, but our pricing doesn’t have to be. We never charge personal service fees on top of what the lender charges. What you see is what you get. This matters more than people realize. A recent survey shows that 82% of small businesses fail because of cash flow problems, and unexpected costs make those problems worse. We work hard to make sure you always have a clear picture of what your funding costs, so you can plan accordingly.

Our team is available to walk you through every detail before you commit to anything. We are always available to answer your questions and provide guidance throughout the borrowing process. We want our clients to feel confident and informed about their financing options.

We Help You Build a Stronger Financial Profile Over Time

We take great pride in the success stories of our clients. Over the years, we’ve helped many small businesses achieve their financial goals, and we’re proud of their accomplishments. Many of our clients started their journey with us when their credit was not in great shape. Therefore, we’re happy to offer a starter program to help you build your profile. Once you prove your creditworthiness, we’ll help you graduate to longer programs, lower costs, and better payment terms.

Over time, they built up their financial profile. Once you establish a track record with us, we help you move toward better products, including lines of credit and SBA loans. This is not just about getting you one loan. It’s about helping your business grow stronger over the long run.

What to Ask Any Funding Provider Before You Sign

When you’re shopping around for funding, here are three important questions to ask, and what our answers are:

• Will there be a hard inquiry on my credit? With us, it is always 100% a soft pull. Your credit score is protected.
• Do you charge a personal service fee? Never. There are no fees added on top of the lender’s charges.
• How is my data kept safe? We use an end-to-end encrypted, secure process that protects your information from day one through the life of our relationship.

Our Reputation Is Built on Real Results

A reputation takes years to build and a moment to lose. We take that seriously every single day. The small business funding market is growing fast. In fiscal year 2024, the SBA supported over 103,000 financings to small businesses, the highest number since 2008. But competition for that capital is fierce, and not every provider has your best interests in mind.

We do. Serving our community the right way has always been at the heart of everything we do. Our name, our logo, and our storefront represent the people behind it, and we would never put that at risk. If you are looking for working capital, a line of credit, or just want to talk through your options, we are here to help with no pressure and no jargon. Apply now at horizonfundinggroup.com and set the course to success the right way!

FAQs

1. Does applying for funding with Horizon Funding Group affect my credit score?
   No. We always use a soft pull, so your personal credit score is never impacted during the application process.
2. What types of businesses can qualify for funding?
   We work with businesses of many sizes and industries, including those with less-than-perfect credit histories.
3. How long does it take to get funded?
   Our technology speeds up the process. Many clients receive a decision quickly, often much faster than a traditional bank.
4. Are there any hidden fees or service charges?
   No. We never add personal service fees on top of what your lender charges. Full transparency, always.
5. What happens after I repay my first funding?
   We help you build your financial profile over time, opening doors to better products like lines of credit and SBA loans.