What to Expect: Applying and Your Documents
Getting financing through Horizon Financial is simple, secure and fully online. Here is how it works.
1. Apply online in about 5 minutes
Start with a short application. It tells us what you need and how to reach you.
- Business Financing Application for lines of credit, equipment financing, SBA 7(a), asset-based lending and working capital
- Real Estate Loan Application for commercial, investment, bridge, construction, fix-and-flip and SBA 504 financing
2. Talk with Victor about your goals
Victor Hernandez will reach out, usually the same business day, to understand your plans, your timeline and what a good outcome looks like for you.
3. Upload documents through your secure portal
You will get access to a secure borrower portal that lists the exact documents your loan type needs. Upload them there from your computer or phone. There is nothing to mail, and no upfront fees.
4. We match your request with the right lenders
Once your file is complete, we present it to the lenders that fit your deal and walk you through your options.
Documents most lenders ask for
Your portal shows the exact list for your loan. Most requests include:
- Recent business bank statements
- Business and personal tax returns
- Year-to-date profit and loss statement and balance sheet
- Personal financial statement (you can download our template in your portal)
- Entity documents, such as articles, operating agreement and EIN letter
- Driver's license or other photo ID
- For real estate loans: purchase contract or mortgage statement, leases and rent roll, and your real estate experience
Questions? Call or text Victor Hernandez at (760) 214-5850, or contact us.
Horizon Financial shops your request across a network of third-party lenders to find the right fit. We may be compensated by those lenders, and all financing is subject to lender approval.
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.