Business financing structured around your goals, cash flow, and growth stage
Designed to move your company forward
Find the right business financing for your needs. From startup and franchise loans to working capital, equipment financing, SBA funding, lines of credit, and more. Compare options, understand requirements, and see how FullHorn Finance helps you secure the best structure for your business or investment.
Who we help
We provide business financing, including startup financing, franchise financing, and working capital solutions, for small and mid-sized businesses at every stage
- Small and mid-sized business owners seeking capital to operate or grow
- Buyers acquiring an existing business or franchise
- Franchise owners opening new locations or expanding
- Business & franchise brokers seeking financing solutions for their clients
- Companies needing working capital or liquidity to manage cash flow
We work best with business owners who value transparency, structure, and follow-through, not just the fastest or cheapest offer advertised online.
We provide business financing, including startup financing, franchise financing, and working capital solutions, for small and mid-sized businesses at every stage
- Small and mid-sized business owners seeking capital to operate or grow
- Buyers acquiring an existing business or franchise
- Franchise owners opening new locations or expanding
- Business & franchise brokers seeking financing solutions for their clients
- Companies needing working capital or liquidity to manage cash flow
We work best with business owners who value transparency, structure, and follow-through, not just the fastest or cheapest offer advertised online.
Looking for startup or franchise financing? Ask us about as little as 10% down options →
Types of business financing options
We help businesses with various types of financing throughout their lifecycle, to start, run and grow. We help you determine the right product based on your specific business needs and profile.
- Startup & franchise financing (with as little as 10% down)
- Business acquisition financing
- Working capital and cash flow support
- Growth, expansion, and refinancing
- Equipment purchases and upgrades (new or used)
Based on your business profile and use of funds, we match you with the most appropriate financing product.
SBA Loans (7(a) & 504)
Long-term financing for startups, franchises, acquisitions, and owner-occupied real estateBusiness Lines of Credit
Revolving working capital for operating expenses, cash flow gaps, seasonality, and short-term needsTerm Loans
Fixed-payment financing for growth, acquisitions, or refinancingEquipment Financing & Leasing
Preserve cash while purchasing vehicles, machinery, or technologyMerchant Cash Advance (MCA)
Short-term liquidity for specific business needs
For businesses managing large receivables or purchase orders, we also support accounts receivable factoring and purchase order financing when traditional loans or lines of credit are not the right fit. This can also be a fit in some startup scenario.
We help businesses with various types of financing throughout their lifecycle, to start, run and grow. We help you determine the right product based on your specific business needs and profile.
- Startup & franchise financing (with as little as 10% down)
- Business acquisition financing
- Working capital and cash flow support (including payroll financing)
- Growth, expansion, and refinancing
- Equipment purchases and upgrades (new or used)
Based on your business profile and use of funds, we match you with the most appropriate financing product.
SBA Loans (7(a) & 504)
Long-term financing for startups, franchises, acquisitions, and owner-occupied real estateTerm Loans
Fixed-payment financing for growth, acquisitions, or refinancingEquipment Financing & Leasing
Preserve cash while purchasing vehicles, machinery, or technology- Business Lines of Credit
Revolving working capital for operating expenses, cash flow gaps, seasonality, and short-term needs Merchant Cash Advance (MCA)
Short-term liquidity for specific business needs
For businesses managing large receivables or purchase orders, we also support accounts receivable factoring and purchase order financing when traditional loans or lines of credit are not the right fit. This can also be a fit in some startup scenario.
Not sure which structure fits? Discuss your options →
Basic requirements to qualify for business financing
Requirements vary by financing type, but most lenders will ask for the following:
Short-Term Financing (LOC, MCA)
- Completed application
- Last 3 months of business bank statements
- Minimum monthly revenue > $7,000 (varies by product)
Equipment Financing
- Equipment quote or invoice
- Completed application
- Last 3 months of business bank statements
SBA & Term Loans
- Last 3 years of business tax returns (if applicable)
- Last 3 month business bank statements (if applicable)
- Business plan and 3 years financial projections (if new or expansion)
- Last 3 years of personal tax returns
- Last 3 months of personal bank statements
- Resume or management background
- Use-of-funds explanation
We evaluate feasibility upfront so you do not waste time pursuing financing that will not close.
Requirements vary by financing type, but most lenders will ask for the following:
Short-Term Financing (LOC, MCA)
- Completed application
- Last 3 months of business bank statements
- Minimum monthly revenue > $7,000 (varies by product)
Equipment Financing
- Equipment quote or invoice
- Completed application
- Last 3 months of business bank statements
SBA & Term Loans
- Last 3 years of business tax returns (if applicable)
- Last 3 month business bank statements (if applicable)
- Business plan and 3 years financial projections (if new or expansion)
- Last 3 years of personal tax returns
- Last 3 months of personal bank statements
- Resume or management background
- Use-of-funds explanation
We evaluate feasibility upfront so you do not waste time pursuing financing that will not close.
Is this the right fit?
Is this the right fit?
We work best with business owners, franchise and business brokers who value clarity, follow-through, and long-term relationships; not just the lowest advertised rate.
We will tell you early if your deal is feasible and why
We work best with business owners, franchise and business brokers who value clarity, follow-through, and long-term relationships; not just the lowest advertised rate.
We will tell you early if your deal is feasible and why
What can you expect?
Loan programs, terms and key points
Loan programs, terms and key points
| Financing Type | Typical Amount | Term Length | Funding Timeline | Key Points & Collateral |
|---|---|---|---|---|
| SBA Loans (7(a) & 504) | $100K – $5M | Up to 10–25 years | 45–90+ days | Personal guarantee required; startups typically require personal collateral when available; long-term, lower monthly payments |
| Term Loans (Bank & Non-Bank) | $50K – $50M | 3–5 years (case-by-case) | 15–45 days | Used for growth, acquisitions, or refinancing; may require business assets, personal guarantee, or additional collateral |
| Equipment Financing & Leasing | $5K – $60M | 3–7 years | 5–18 days | Up to 100% financing available; new or used equipment; equipment itself serves as primary collateral |
| Business Line of Credit | $10K – $10M | 6–18 months (revolving) | 5–30 days | Typically 10–30% of annual revenue; unsecured or lightly secured; based on cash flow and recent bank statements |
| Merchant Cash Advance (MCA) | $10K – $5M | 3–24 months | 3–10 days | Collateral typically includes accounts receivable and future revenue; repaid via daily or weekly remittance; best for short-term cash flow needs |
| Financing Type | Typical Amount | Term Length | Funding Timeline | Key Points & Collateral |
|---|---|---|---|---|
| SBA Loans (7(a) & 504) | $100K – $5M | Up to 10–25 years | 45–90+ days | Personal guarantee required; startups typically require personal collateral when available; long-term, lower monthly payments |
| Term Loans (Bank & Non-Bank) | $50K – $50M | 3–5 years (case-by-case) | 15–45 days | Used for growth, acquisitions, or refinancing; may require business assets, personal guarantee, or additional collateral |
| Equipment Financing & Leasing | $5K – $60M | 3–7 years | 5–18 days | Up to 100% financing available; new or used equipment; equipment itself serves as primary collateral |
| Business Line of Credit | $10K – $10M | 6–18 months (revolving) | 5–30 days | Typically 10–30% of annual revenue; unsecured or lightly secured; based on cash flow and recent bank statements |
| Merchant Cash Advance (MCA) | $10K – $5M | 3–24 months | 3–10 days | Collateral typically includes accounts receivable and future revenue; repaid via daily or weekly remittance; best for short-term cash flow needs |
Higher leverage structures may involve layered capital or additional collateral.
👉 Not sure which structure fits your deal? Discuss your financing options →
Pricing & fees
- Typical total cost: ~2%–6% of loan amount
- Includes origination, lender, legal, and third-party costs
- Fees scale inversely with loan size (larger loans → lower %)
We explain all costs upfront, no surprises later. Request a fee overview →
Payment structure
- Monthly, weekly, or daily payments depending on product
- Interest-only options available for bridge / construction and lines of credit
- Revolving vs fixed-term structures explained upfront
We design payment structures around cash flow, not just rates. Talk through structures →
Contract terms
- Some programs include no prepayment penalties
- Others trade flexibility for speed or leverage
- Terms are explained before submission
Credit considerations
- Typically credit score > 650
- Can go as low as 520 in rare instances
- Heavy emphasis on cash flow and ability to repay the obligation
We position your deal to lenders before submission. Review your deal strength →
Pricing & fees
- Typical total cost: ~2%–6% of loan amount
- Includes origination, lender, legal, and third-party costs
- Fees scale inversely with loan size (larger loans → lower %)
We explain all costs upfront, no surprises later. Request a fee overview →
Payment structure
- Monthly, weekly, or daily payments depending on product
- Interest-only options available for bridge / construction and lines of credit
- Revolving vs fixed-term structures explained upfront
We design payment structures around cash flow, not just rates. Talk through structures →
Contract terms
- Some programs include no prepayment penalties
- Others trade flexibility for speed or leverage
- Terms are explained before submission
Credit considerations
- Typically credit score > 650
- Can go as low as 520 in rare instances
- Heavy emphasis on cash flow and ability to repay the obligation
We position your deal to lenders before submission. Review your deal strength →
Why clients work with FullHorn Finance
• Access to bank and non-bank lenders
• One point of contact from structure to close
• Honest feasibility feedback before submission
• Experience across owner-occupied and investment assets
