Business Loans
Whether you’re expanding, buying equipment, covering payroll, or buying a business, the right financing depends on your cash flow, your timeline, and what you’re building. We help you sort through the options and connect you with the lending partner best suited to your plan.
Business Financing Options
- SBA Loans — government-backed 7(a) and 504 loans through participating banks.
- Working Capital — funding for payroll, inventory, marketing, or seasonal gaps.
- Equipment Financing — spread the cost of machinery, vehicles, and technology over their useful life.
- Accounts Receivable Financing — turn unpaid invoices into working cash.
- Asset-Based Lending — revolving lines backed by receivables, inventory, and equipment.
- USDA Business Loans — government-backed financing for businesses in eligible rural areas.
What Lenders Typically Review
- Time in business and industry experience
- Revenue and cash flow trends
- Business and personal credit history
- How the funds will be used
- Collateral, when required by the program
How We Help
Instead of applying bank by bank, you tell your story once. We review your goals, help you get your documents in order, and bring your request to the SBA lenders, banks, and specialty funding partners that fit your situation. You have one point of contact from the first call to closing.
Not sure which option fits?
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.