Horizon Capital Group, LLC. Your Commercial Loan Source.

"Plan B": When the Banks Say "NO,
We Say "YES"!

Alternative Programs for the Credit Challenged

Life sometimes throws us a curve. No one knows that better than the small business owner. A dip in business, a cancelled contract, or unexpected expenses can put you in a bind, and put your business at risk. It's a lot to go through, and, as you have probably already experienced, it's the time when your financial "partners" seem to disappear.

At Horizon Capital Group, we understand that everything doesn't always go according to plan. We know that just because there have been a few bumps along the way, that doesn't means that your business isn't viable, or that you won't meet your obligations.

That's why we have developed up with an innovative program geared toward small businesses that, for one reason or another, typically cannot access commercial credit through the usual bank channels. We have developed relationships with national, specialized commercial lenders that have programs geared toward the new or challenged credit customer. We have taken the best of these programs and made them available to YOUR business.

These challenged deals require care and thought to get done. They are custom deals by nature. You need a dedicated professional to help you put these deals together. That's where Horizon Capital Group shines. It's our specialty.

We have two separate programs that may fit your need:

Startup Program

Most financial institutions will not finance companies that are just going into business. If your company has just started in business, or is in business for a short time (usually less than two years), we can help! Let us show you the programs available to help you lease and purchase the equipment that you need.

Challenged Credit Program (B, C and D Credits)

If you your business have had credit issues, or if you work in a business that banks tend to shy away from, you know how difficult it is for the bank to approve your credit. You may think that you are locked out of the commercial loan market. NOT TRUE! There is good news! There are commercial lenders out there who specialize in new or "credit challenged" businesses. We are able to work with these specialized commercial lenders because we understand what both parties are looking for. We are able to work with both sides to structure each customized deal so that all parties are satisfied. You get the loan that you need, and the lender gets comfortable with the deal.

Here's our promise to you: We will explore every avenue to get you the capital that you need for your business, while always treating you with the respect and dignity that you deserve.
The Horizon Capital Group will walk beside you every step of the way.
We represent YOU!

Contact us today and let us get to work for your business!

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Why Lease?

Leasing is the right choice for many types of equipment!
Leasing is one of the fastest growing ways of acquiring equipment in business today. A recent survey found that 80% of U.S. businesses lease at least some portion of their equipment. Companies that lease equipment range from the Fortune 50 to the smallest businesses in your town.

A growing business often faces dilemma of limited cash flow and the need to add equipment. Leasing can put the equipment to work for you with real cash flow advantages and without major capital investment. We can lease virtually any type of equipment, including the software and installation costs necessary to get your investment going.

Consider these facts:

Leasing offers low monthly payments and increased flexibility
The monthly lease payment will usually be lower than the payment required by other methods of financing, which preserves cash. Also, many lease programs can be designed so that the frequency and amount of payments can vary to match your business's seasonal cycle.

It preserves your cash and working capital
Leasing allows you to gain possession and use of the equipment you need without impacting your working capital or draining your cash. Keep your business' cash for future needs, unexpected expenses or for additional working capital when revenues are low.

A lease is not a loan - it preserves your existing lines of credit
A loan reduces your overall borrowing capacity and may negatively impact your ability to draw on other lines of credit. Leasing avoids this dilemma. Keep your business' credit lines free to use for other items you need to run your business.

You can always lease equipment - you can't lease cash flow!
Most types of financing require down payments of up to 25%. Leasing, on the other hand, usually requires very little cash up front at all. Most leasing arrangements cover 100% of the cost of the equipment, with only one or two payments due up front. Get immediate use of the equipment with minimal up-front cost. Preserve your cash flow!

Leasing improves your balance sheet
Leasing has no impact on your balance sheet. Purchasing equipment, on the other hand, increases your debt and decreases your equity, particularly in the opening stages of the loan term. Leasing increases your company's liquidity, and effectively provides off balance sheet financing.

Leasing helps eliminate obsolescence
Technology is changing at a rapid fire pace. What meets your business' needs today may be obsolete three years from now. Leasing allows you the flexibility to maintain a competitive edge by giving you today's best technology, then allowing you to upgrade when the equipment has outlived its advantage.

Leasing offers fixed payments through the term of the lease
Unlike bank lines of credit that usually have variable rates, lease payments are fixed, no matter what happens in the market. By choosing leasing you won't be a victim of increasing interest rates.

Leasing offers significant tax and accounting advantages
Leasing offers significant opportunities to reduce the tax burden for many small businesses. Leasing eliminates the need for complicated depreciation schedules, as lease payments are generally line item expenses on your P&L statement. And since lease payments can usually be treated as a pre-tax business expense, you may even reduce your taxes.

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