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Part 1 of 3
Tired of hearing about Merchant Cash Advance?
Look to Unsecured Conventional Financing.

With 10 years in business Horizon Financial Group is a complete merchant service firm designed for the Main Street business owner.

Our ideology is that your business is not just an account number but rather a opportunity to build to relationship for years to come.

 Ask about our credit card processing service boasting of an effective rate of 2% monthly.  

With 10 years in business Horizon Financial Group is a complete merchant service firm designed for the Main Street business owner.

Our ideology is that your business is not just an account number but rather a opportunity to build to relationship for years to come.

 Ask about our credit card processing service boasting of an effective rate of 2% monthly.  

With 10 years in business Horizon Financial Group is a complete merchant service firm designed for the Main Street business owner.

Our ideology is that your business is not just an account number but rather a opportunity to build to relationship for years to come.

 Ask about our credit card processing service boasting of an effective rate of 2% monthly.  

Business Working Capital in 5 days or less...

Power Your Company Growth with Business Captial from an Industry Leader
Horizon Financial Group can provide your business up to $250,000!

What Others Are Saying...

Horizon financial was the perfect solution for my small business. They helped me through the process, answered all my questions and helped me get the money I needed to take advantage of a great business opportunity.

Special Financing:

Bank says No! Horizon says Yes!

Horizon Financial Group provides merchant financing of up to $250,000 per business location. An alternative to a traditional bank loan, we advance you cash today based off your future credit card sales (American Express, MasterCard, Visa, Discover, & Debit Cards).

The best part about getting merchant financing from Horizon Financial Group is there are no personal guarantees or personal collateral attached to the merchant financing! This allows us to provide you with the financing you need within 3 business days or less. There are no restrictions on how to use the money, allowing you to grow your business hassle-free!

At Horizon Financial Group , we understand the needs of businesses in the current day economy. It is our goal to help you meet those needs and sustain your business through these tough times. Helping our client’s businesses succeed, in turn helps us succeed, so we are here to help in any way we can!

Our underwriting staff takes into consideration factors that other underwriters do not. Our Account Managers work with you to design a custom remitting plan that fits your business. Apply for merchant financing now at Horizon Financial Group !

Restaurant Financing

Horizon Financial Group knows our clientele and a large proportion of them are restaurant owners like you! That’s why we have designed a custom restaurant cash advance program for restaurants. We understand the seasonality aspect of some restaurants and that is why we are very flexible with payback schedule. Need a new pizza oven? Need to upgrade kitchen equipment? How about some cash for marketing and advertising? Whatever it is that you need the cash for, Horizon Financial Group is here to help. Get merchant financing for your restaurant today. Apply now!

Qualifications

  • You must be in business for at least 90 days
  • No open bankruptcies in the last 12 months
  • You must be current with the landlord
  • Must process at least $5,000 per month in credit cards
Construction Financing

Running a construction business can be a profitable endeavor, but it can also be expensive at times. There is often stiff competition in the market, and it can be hard to keep with the competition. Horizon Financial can get you the cash you need to keep your business running! Borrowing from banks can be costly in interest rates and the time it takes to borrow. 

Horizon Financial can get you the cash you require fast!

With Horizon Financial’s merchant financing can give you the boost you need. With the business that you generate through credit card sales, Horizon Financial will provide you with the cash that you need. You’ll have the freedom to upgrade your business in any way you need!

 

Liquor Store Financing

Running a Liquor Store can be extremely demanding and the need for working capital can arise at any time. Banks have closed their doors to many liquor store owners due to tough nature of the business. Merchant financing from Horizon Financial Group can get your Liquor Store funded with up to $250k in as little as 72 Hours. There are no hidden charges and it’s the go to option for an entrepreneur.

Use Liquor Store Financing :

  • Advertising & Marketing
  • Purchase quality liquor
  • Hire staffing

How Horizon Financial Group Gets You Cash :

Horizon Financial Group provides your business with cash today based off a percentage of your future credit card sales (American Express, MasterCard, Visa, Discover, & Debit Cards). There are no personal guarantees or collateral attached to the cash advance!

Horizon Financial Group knows our clientele and a large proportion of them are restaurant owners like you! That’s why we have designed a custom restaurant cash advance program for restaurants. We understand the seasonality aspect of some restaurants and that is why we are very flexible with payback schedule. Need a new pizza oven? Need to upgrade kitchen equipment? How about some cash for marketing and advertising? Whatever it is that you need the cash for, Horizon Financial Group is here to help. Get merchant financing for your restaurant today. Apply now!

Qualifications

  • You must be in business for at least 90 days
  • No open bankruptcies in the last 12 months
  • You must be current with the landlord
  • Must process at least $5,000 per month in credit cards

Running a construction business can be a profitable endeavor, but it can also be expensive at times. There is often stiff competition in the market, and it can be hard to keep with the competition. Horizon Financial can get you the cash you need to keep your business running! Borrowing from banks can be costly in interest rates and the time it takes to borrow. 

Horizon Financial can get you the cash you require fast!

With Horizon Financial’s merchant financing can give you the boost you need. With the business that you generate through credit card sales, Horizon Financial will provide you with the cash that you need. You’ll have the freedom to upgrade your business in any way you need!

 

Running a Liquor Store can be extremely demanding and the need for working capital can arise at any time. Banks have closed their doors to many liquor store owners due to tough nature of the business. Merchant financing from Horizon Financial Group can get your Liquor Store funded with up to $250k in as little as 72 Hours. There are no hidden charges and it’s the go to option for an entrepreneur.

Use Liquor Store Financing :

  • Advertising & Marketing
  • Purchase quality liquor
  • Hire staffing

How Horizon Financial Group Gets You Cash :

Horizon Financial Group provides your business with cash today based off a percentage of your future credit card sales (American Express, MasterCard, Visa, Discover, & Debit Cards). There are no personal guarantees or collateral attached to the cash advance!

TrakLoans
TrakLoans are a flexible, “cash-flow friendly” way to access small business capital. They are alternative loans for small businesses that work particularly well for businesses whose owners value having the amount they remit fluctuate with their daily payment card receivables. Instead of sending a large amount once a month, a flat percentage of your business’s credit and debit card sales are automatically remitted daily.  A larger amount is sent on busy sales days than on slow days. The process stops automatically when your loan is repaid. Specific credit and signature debit card brands included in the loan payment will vary by card processor.

Small Business Loans
Horizon Financial can help fund business related expenses that your company may need quickly. The Business Term Loan product has a set maturity date when the business must pay off the loan. Business Loans through Horizon Financial offer anywhere from $2,500 to $150,000 in financing with a range of 4 to 24 months in maturity making them ideal for any small business. No personal collateral is needed and funds can be transferred in as little as 2 business days.

Why Horizons Financial?

90% Approval Rate

90% approval rate if you have been in business for at least 90 days and process a minimum of $5,000 a month in credit card sales.

Approvals in 24 Hours

Approvals within 24 hours and all we need is our 1 page application filled out and your 3 most recent months of credit card statements

Funds in 3 Days

Funds are available within 3 business days with no personal guarantees or any collateral attached

No Fixed Payments

There are no fixed payments to worry about. A small fixed percentage is deducted from your credit card sales to pay back the advance. This means if business slows down, so does your payments.

Repayment Options

Split Funding Program

90% of our customers prefer to change to one of our preferred credit card processors because we guarantee to lower the merchant processing fees.  If the credit card equipment you are currently using is compatible, you will continue to use that equipment.  If for some reason it is not compatible, Horizon Financial Group will send you a new machine absolutely free.

Once the processing is switched over, we will wire the funds to your account.  Once the funds hit your account, the processor will start automatically deducting the agreed upon fixed percentage from your credit card sales to pay back the advance.

Automatic Debit Program

The first option you have to stay with your current credit card processor is our Automatic Debit Program.  This option is very simple.  The customer will provide Horizon Financial Group with online access to their merchant account, so that we will be able to monitor the daily credit card sales.  One of our Customer Service Analysts will wait for the credit card sales to deposit to your bank account, and then debit the agreed upon fixed percentage that is owed to pay back the advance.

Lockbox Account Program

The second option you have to stay with your current credit processor is by setting up a Lockbox Account.  The only difference on this option is which bank account the credit card sales are being deposited.  This program is extremely customer friendly.  Horizon Financial Group will set up a new bank account, or a Lockbox account.  We will then contact your credit card processor to instruct them to send the credit card sales to the new account.  Once the credit card sales begin being deposited into the new account, Horizon Financial Group will start withdrawing the agreed upon fixed percentage to pay back the advance.

Frequently Asked Questions

What can Horizon Financial Group do for my business?
We offer you a way to improve your business for the future by accessing working capital now. It’s not a bank loan, so you’re more likely to be approved, and your working capital becomes available to you within days.
What is the benefit of using Horizon Financial Group , opposed to one of your competitors?
One of the biggest benefits of using Horizon Financial Group for your merchant financing needs is our remit rates. We are willing to match or beat any quote that you receive from a competitor. We guarantee it! In addition, the customer support at Horizon Financial Group is unparalleled. We work with our clients to provide custom programs that fit their business needs while other business cash advance companies have defined programs with limitations.
How can I use the working capital?
Use the working capital any way you see fit. Customers typically use the cash to support or upgrade their business in some way. Maybe you need repairs or inventory. Maybe you would like to expand your present location or simply add a new location. Better still, maybe you’d like to seize an opportunity in your marketplace before a competitor does.
Why wouldn’t I get a traditional bank loan instead?
We all know that sometimes banks can be a little tough with their guidelines. Horizon Financial Group provides cash advances to businesses that do not qualify for traditional bank loans. We also have clients with perfect credit that come to us because of our turnaround time compared to the time it takes for the bank approval process.
How does it work?
The funding process is simple. Horizon Financial Group purchases your future credit card transactions and advances that working capital to you today. After you receive your advance, your processor will deduct a small, fixed percentage from your daily credit cards sales until the advance is remit in full.
Will I qualify?
If you take credit cards as a form of payment…you qualify! Credit score is not the only factor with our underwriting. We know that most business owners put everything they have into their business including financing, which usually results in a low credit score. Our underwriters look at the business and the credit card sales that it is producing every month.
Will Horizon Financial Group share my business and personal information with any partner companies or marketers?
NO! The information you submit to us is kept completely confidential and is never shared with any 3rd party companies or business partners of ours. Horizon Financial Group protects the privacy of our clients and our website is 100% secure and safe.
How long will it take to find out if I am approved?
Pre-approval is obtained within 1 hour. Funding can take as little as 3 business days depending on the amount of the transaction and the time it takes to get the necessary documents required to fund.
How soon do I have to remit back the working capital?
At Horizon Financial Group , we are very flexible about the payback term. The client decides whether they would like to pay us back on a 3-month, 6-month, 8-month, or 12-month term. Don’t worry, you can always ask for an extension if you need more time and you can even pay back at a faster pace than you initially set with no prepayment penalties!
How much can I qualify for?
Your monthly credit card volume will qualify you up to $250,000. The amount of receipts purchased is determined by your average Visa/MasterCard volume over a 90-120 day period.
How soon can I have the working capital?
This all depends on the customer. Once one of our account executives receives a completed application and 3 merchant statements, we can wire the funds within 48-72 hours
Do I have to change my credit card processor?
Horizon Financial Group gives you the option to either stay with your current credit card processor OR switch to one of our preferred processors where we can SAVE YOU MONEY on your fees every month.
Will I be able to monitor the progress on my account?
You can log on to our website to view your every detail of your account or you can call our customer support on our toll free number 24 hours a day, 7 days a week.
Is there a penalty for remitting back the advance early?
No. You can always remit in full the balance remaining on the advance at any time. As a matter of fact, Horizon Financial Group will offer a large discount depending on your remittance terms worked out during the initial contract.
Do I have to remit off the first advance before I can take a second advance?
No. 75% of our customers take more than one advance and the majority of them take it within 60 days of receiving their first advance. All you have to do is pay off 35% of your first advance and send your Funding Consultant a recent bank statement. The money will be in your account the same day as when you applied.
Who can answer my questions, or help me start the funding process?
You can reach one of our Funding Specialists at: 718-513-6633 from 9 a.m. – 9 p.m. EST, Monday - Friday