About Horizon Financial
Horizon Financial helps business owners and real estate investors find the right financing, and the right lending partner, without shopping their deal bank by bank.
Meet Victor Hernandez
Victor Hernandez, Managing Member of Horizon Financial, has spent 15 years in banking, including 10 in commercial and residential real estate finance. He studied Economics at Penn State World Campus, is a Southern California native, and works with clients nationwide from San Diego. NMLS #798657.
How We Work
- Capital Review — a conversation about your goals, your timeline, and what’s in the way.
- Structure — we shape your request the way lenders need to see it.
- Lender match — we bring your deal to the lending partners best suited to it.
- Guided to closing — one point of contact from application to funding.
Our Standards
- Straight answers — if a loan isn’t the right fit, we’ll tell you.
- Transparency — we place your request with third-party lenders, are typically paid by the lender at funding, and disclose our compensation in writing before you sign.
- No pressure — the Capital Review is free, with no obligation.
Let’s map out your next move.
Book a free 15-minute Capital Review or call (760) 214-5850. Ready to move forward? Start your application online.
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.