Merchant cash advanceTerm loansLines of creditSBA loans
Horizon Advance puts four kinds of business funding side by side, from $10,000 to $3,000,000, so you can choose the one that actually fits. One conversation, every option, and a straight answer about which is best.
Our programs
Each one solves a different problem. Here's what they are, what they cost you in time, and who they're built for.
Working capital now, repaid automatically from your future sales. Approval is based on your revenue, not just your credit score.
Best for: fast cash-flow needs, seasonal swings, and owners whose credit doesn't reflect how strong their business is.
Ask about an MCAA lump sum up front, repaid in fixed installments over a set term. You know exactly what you'll pay and when you'll be done.
Best for: planned investments with a clear payoff, like equipment, a build-out, hiring, or refinancing costlier debt.
Ask about a term loanA revolving credit limit you can draw from any time. Pay interest only on what you use, and your available credit refills as you repay.
Best for: covering gaps between paying bills and getting paid, surprise expenses, and keeping a safety net on standby.
Ask about a line of creditLoans partially guaranteed by the U.S. Small Business Administration, with the longest terms and some of the lowest rates available to small businesses.
Best for: established businesses making big, long-term moves, such as buying real estate, acquiring a business, or major expansion.
Ask about SBA loansAmounts, terms, and timelines are typical ranges, not offers. Your options depend on your business's revenue, time in business, credit, and the program.
Find your fit
Your answers stay in your browser. We'll highlight the program that fits best, and you can send us the results in one click.
Your match
Each answer narrows things down. You'll see your best fit here, along with a runner-up worth considering.
Also worth a look:
Email us about my optionsHow it works
You shouldn't have to apply four times to find out what you qualify for.
Email us what you need the money for, how much, and when. A few details about your business is all it takes to start.
We review your business against every program and lay out the amounts, terms, and total cost side by side, in plain English.
Pick the option that fits. Funding takes anywhere from a day for an advance to a few weeks for an SBA loan.
Side by side
Speed, cost, and flexibility pull in different directions. This is where each program lands.
| Feature | Merchant cash advance | Term loan | Line of credit | SBA loan |
|---|---|---|---|---|
| Amount | $10K – $3M | $25K – $3M | $10K – $1M | $50K – $3M |
| Time to funds | 24–48 hours | 2–5 business days | 1–3 days to approve, then draw any time | 30–90 days |
| Term | 3–18 months | 1–5 years | Revolving; renews as you repay | Up to 10 years, or 25 for real estate |
| How you repay | A percentage of sales, or a fixed daily or weekly amount | Fixed weekly or monthly payments | Payments on what you've drawn only | Fixed monthly payments |
| Relative cost | Highest, priced with a factor rate | Moderate, priced with an interest rate | Moderate, interest on the balance used | Lowest; maximum rates capped by the SBA |
| What matters most | Consistent revenue | Credit, revenue, and time in business | Credit and cash flow | Strong credit, 2+ years in business, full financials |
| Best for | Speed and flexibility | Planned investments | Ongoing cash-flow gaps | Big, long-term moves |
General comparison for education only. Actual amounts, rates, terms, and timelines vary by program, lender, and business, and are disclosed in your offer before you sign.
SBA loan programs
SBA loans take longer, but the terms are hard to beat. We'll tell you up front whether you're a strong candidate, and which program fits.
The SBA's flagship program and the most flexible. It can be used for nearly any business purpose.
Long-term, fixed-rate financing for major fixed assets that help your business grow.
A streamlined version of 7(a) for smaller amounts, with a quicker turnaround on the lender's decision.
SBA loans are made by SBA-approved lenders and partially guaranteed by the U.S. Small Business Administration. Approval is up to the lender and the SBA. Horizon Advance is not affiliated with or endorsed by the SBA.
See if you qualifyQuestions
A quick rule of thumb: if you need money this week, look at a merchant cash advance. If you have a specific project with a clear payoff, consider a term loan. For ongoing cash-flow gaps, a line of credit works best. For big, long-term moves where you can wait, an SBA loan. Try the Find your fit tool, or just email us and we'll tell you.
Often, yes. Many businesses qualify for two or three options at once. We'll lay them out side by side so you can compare the real cost and payments before you choose.
For a merchant cash advance or line of credit, usually three to six months of business bank statements and a photo ID. Term loans and SBA loans typically also need business tax returns and financial statements. SBA loans may ask for a debt schedule and a short business plan.
A merchant cash advance can fund in as little as 24 to 48 hours. Term loans usually take a few business days, and lines of credit are often approved in one to three days. SBA loans are the slowest at roughly 30 to 90 days, but they offer the longest terms and lowest rates.
No. A merchant cash advance is a purchase of a portion of your future receivables, priced with a factor rate instead of an interest rate. You'll see the total amount to be repaid before you sign.
No. SBA loans are made by SBA-approved lenders and partially guaranteed by the U.S. Small Business Administration. Horizon Advance is not affiliated with or endorsed by the SBA. We help you understand the programs and pursue the right one.
No. Reaching out and reviewing your options is free, and there's no obligation to accept any offer.
Contact
Email us what you need the funding for, how much, and roughly how long you've been in business. We'll reply with the programs that fit and a straight answer on each.
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