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10 Years in Lending · SBA & Commercial Lending Partners
Book a Free Capital Review
I'm Victor Hernandez. I structure the right financing and match your deal with the lending partner best suited to it — one advisor, from first call to closing.
10 Years in Lending · SBA & Commercial Lending Partners
Book a Free Capital Review Call (760) 214-5850
Buy, build, or refinance owner-occupied or investment property. We compare lending partners so your terms fit the property and your plans for it.
Government-backed 7(a) and 504 loans through participating banks, which can offer longer terms and lower down payments than many conventional business loans.
Short-term financing to purchase and renovate an investment property, structured around your purchase price, rehab budget, and exit plan.
Funding for payroll, inventory, marketing, or seasonal gaps. Options vary by lender and business profile, and some don’t require specific collateral.
Asset-based, short-term financing for deals that need speed or don’t fit bank guidelines. Costs typically run higher than bank loans, so it works best with a clear exit plan.
Financing to buy or refinance 5+ unit apartment buildings and mixed-use properties, with bank, agency, and bridge options through our lending partners.
Interim financing for a transition: buying before you sell, stabilizing a property, or waiting on long-term financing.
Get the equipment your business needs now and spread the cost over its useful life. Available for new or used machinery, vehicles, and technology.
Most business owners don’t need more loan offers — they need the right one. Instead of applying bank by bank, you tell your story once. We structure your request and bring it to the SBA lenders, banks, and private lending partners best suited to your deal.
If a loan isn’t the right fit yet, we’ll tell you, and we’ll show you what would make it right. That’s how we build long-term relationships, not one-time transactions.
Book a Free Capital Review
Horizon Financial places commercial and business financing requests with a network of third-party lenders and is typically paid by the lender at funding. When a lender doesn’t pay, our fee is disclosed in writing before you sign and is due only at closing. No up-front fees. Not all applicants will qualify. All loans are subject to lender underwriting, credit approval, and program guidelines. Rates, terms, and timelines vary by lender. Victor Hernandez, NMLS #798657.
