📞 (347) 930-5754 | ✉ sub@whitehorsefinancing.com | 📍 228 Park Ave S, New York, NY 10003
⚡ New York's Premier Business Funding Partner

Get Your Business Funded Fast — Same Day

White Horse Capital LLC provides fast, flexible funding solutions for small and medium businesses nationwide. Custom amounts tailored to your needs — Approved and funded within 4–6 hours.

Apply for Funding → See How It Works
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No credit impact
⚡
Same-day funding
✅
80% approval rate
Business owner
Average Funding Time
4–6 hrs
✅ Same day deposit
Approval Rate
80%
⭐ Industry leading
Custom
Funding Amounts
4–6hr
Average Funding
80%
Approval Rate
500+
Min Credit Score
Qualification Requirements

All You Need to Qualify

Our streamlined process was built for business owners, not bankers. Three simple requirements stand between you and your funding.

📞 (347) 930-5754

✉ sub@whitehorsefinancing.com

Get Your Free Quote

No credit impact · Takes under 2 minutes

🔒 Your information is secure and will not impact your credit score

01

6 Months in Business

Your business must have been operational for a minimum of six months. Startups and new ventures are also considered on a case-by-case basis.

02

$15K Monthly Revenue

Your business must be generating a minimum of $15,000 in monthly revenue. Higher revenue unlocks larger amounts and more favorable terms.

03

Business Bank Account

A business checking account in your company's name. This allows us to verify revenue and process funding quickly and securely.

The Process

Funded in 3 Simple Steps

1

Apply Online in Minutes

Complete our secure application online. No lengthy paperwork, no waiting rooms. Does not impact your credit score.

2

Receive Your Offer

Our funding specialists personally review your application and prepare a customized offer within hours — not days.

3

Get Funded Today

Once you accept and sign electronically, funds are deposited directly to your business bank account within 4–6 hours.

Start Your Application
Business funding process
Funding Solutions

Capital Built Around Your Business

Every business has unique needs. We offer a range of funding products to match your goals, timeline, and financial situation.

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Merchant Cash Advance

A lump sum in exchange for a percentage of future daily sales. Fast approval, same-day funding, no collateral required.

Repayment adjusts automatically with your revenue. No fixed monthly payments. Ideal for businesses with consistent card transactions.

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Term Loans

Fixed lump sum with structured repayment. Predictable monthly payments. Perfect for planned investments.

Competitive rates, flexible terms across all 50 states. We work with a wide range of credit profiles and business types.

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Lines of Credit

Revolving pool of funds — draw when you need, only pay interest on what you use.

Credit lines up to $250,000. Draw, repay, and draw again on your schedule with no restrictions on use.

Apply Now →
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Equipment Financing

Acquire machinery, vehicles, or technology without draining working capital.

Equipment serves as collateral — easier qualification and lower rates compared to unsecured loans.

Apply Now →
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SBA 7(a) Loans

Government-backed financing with the most competitive terms. Loan amounts up to $5 million.

Longer repayment periods, lower down payments, flexible collateral. Ideal for business acquisition, expansion, and real estate.

Apply Now →
📊

Debt Consolidation

Combine multiple high-cost loans into a single manageable payment with better terms.

Simplify your repayment structure, free up cash flow, and reduce financial stress. We design a solution that works for your business.

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HELOC

Leverage your home equity as a flexible, revolving source of capital at lower interest rates than unsecured loans.

Draw what you need, repay it, and draw again — up to 10 years. Lower rates than unsecured business loans. Our founder is personally available for consultation.

Apply Now →
Industries We Serve

We Fund Your Industry

With deep expertise across sectors, we understand the unique challenges and opportunities of your business.

Auto Repair

Auto Repair & Dealerships

Equipment, inventory & expansion capital

Construction

Construction

Bridge financing, equipment & payroll

Health & Medical

Health & Medical

Equipment, staffing & facility upgrades

Restaurant

Restaurants & Hospitality

Renovations, inventory & seasonal needs

Retail

Retail & Wholesale

Inventory, expansion & marketing capital

Transportation

Transportation & Logistics

Fleet expansion, fuel & maintenance

Our Track Record

Numbers That Speak for Themselves

Custom
Funding Amounts
No cap on funding
80%
Approval Rate
Industry-leading
4–6hr
Same-Day Funding
From approval to deposit
500+
FICO Score Accepted
All credit profiles
Business meeting Manhattan Business team
About White Horse Financing

Built by Business Owners, for Business Owners

At White Horse Financing, we understand that starting or expanding a business is one of the most challenging and rewarding journeys an entrepreneur can take. We are here to support you every step of the way.

Founded in 2023 with a clear mission: to help small and midsize businesses obtain financing on reasonable terms — without placing unnecessary strain on their operations.

Our CEO and founder spent most of his life as a small business owner, giving him firsthand insight into the frustrations entrepreneurs face with traditional bank lending.

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Deep expertise across the full spectrum of financial services

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Personally available for secured real estate loan consultation

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Headquartered in New York City — serving all 50 states

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Speed, flexibility, and personal attention that big banks cannot offer

Client Success Stories

What Our Clients Say

★★★★★
"White Horse Capital came through when my bank said no. I had the funds in my account the same day. Absolutely incredible service — they treated me like a partner, not just a number."
Marcus R.
Marcus R.
Restaurant Owner, Brooklyn NY
★★★★★
"The process was completely painless. My funding specialist walked me through everything and I had $150,000 to buy new equipment within hours. My business has grown 40% since."
Jennifer L.
Jennifer L.
Medical Clinic Owner, Queens NY
★★★★★
"I was skeptical at first, but White Horse Capital delivered exactly what they promised. Fast funding, transparent terms, and a team that genuinely cares about your success."
David T.
David T.
Construction Contractor, Manhattan

Ready to Get Funded Today?

Apply in minutes. No credit impact. Funded within 4–6 hours of approval.

Start Your Application →
Frequently Asked Questions

Got Questions? We Have Answers.

General Questions

⚡ How fast can I get funded? +
Typically 4–6 hours after approval. Once your application is reviewed and approved, funds are wired directly to your business bank account the same day — no delays.
🔒 Does applying affect my credit score? +
Absolutely not. We primarily use soft inquiries only — no hard inquiries. Applying will have zero impact on your personal or business credit score.
📋 What documents do I need? +
Completed and signed application form, 3–4 months of most recent business bank statements, driver's license, voided check. Additional items may be requested: proof of ownership, financials, tax returns.
💰 Is there a prepayment penalty? +
No — there is no penalty for paying off your loan early. In fact, most of our lenders offer an early payment discount.
📊 How much funding can I qualify for? +
Every business is different, but typically we can fund your business at approximately 60% of your monthly revenue. Apply — the process takes only 5 minutes.
🏦 Do I need any collateral? +
No. Our products are revenue-based. We mainly consider your business's overall performance and cash flow — not collateral. Your assets stay fully protected.
🤝 Can I refer clients to White Horse Financing? +
Yes! We partner with accountants, brokers, consultants, and service providers. If you know a business owner who needs funding, reach out to us and we'll take great care of them and you.

Merchant Cash Advance (MCA)

🔄 I already have an MCA. Can I get more? +
Yes! We often offer larger advances than our competitors and will pay off your existing advance if it is in your best interest. We can also fund you without paying off your existing balance.
⚙️ How does MCA funding work? +
Factor rate: 15%–49% (fixed rate, not APR) · Repayment: Daily, Weekly, Bi-Weekly, or Monthly · Terms: 30 days up to 24 months · Amounts: $2,000 up to $2,000,000 · Speed: As quick as one business day.
📈 What are MCA rates based on? +
Average monthly revenue, time in business, credit profile, overall financial health and profitability, and industry type.
💡 Good to know about MCAs +
Even with low credit or negative history, options may be available. We can consolidate existing MCAs to lower payments. When the balance is 50% paid, your business is eligible for additional funding. Great for businesses grossing $10,000+/month for at least 6 months.

Lines of Credit

⚙️ How does a Line of Credit work? +
Available for businesses making $20,000+/month with FICO scores above 600. Rate range: 4.8%–24.99%. Terms: 6, 12, or 18 months. Credit lines up to $250,000.
💡 Good to know about Lines of Credit +
Set up a line of credit now for a rainy day — you won't pay anything until you draw from it. Repayment can be weekly or monthly. Credit limit can increase with good repayment history.

Term Loans

⚙️ How does a Term Loan work? +
Available to businesses with strong credit at our lowest rates. Paid off in monthly increments. Rate range: 7.9%–24.99%. Terms: 1 to 5 years.
💡 Good to know about Term Loans +
Approval typically takes 2–3 weeks. Term loans offer the most generous rates available. If you don't qualify, we'll provide a plan to build you up for approval down the line.

SBA 7(a) Loans

⚙️ How does an SBA 7(a) Loan work? +
Government-backed financing through the U.S. SBA. Turnaround: 5–10 business days. Funding amounts up to $5,000,000. Terms up to 25 years for real estate, 10 years for equipment.
💡 Good to know about SBA Loans +
Long repayment terms, low-interest rates, and no prepayment penalties. Loans can be used for working capital, expansions, equipment, and more. Additional SBA loan types available depending on your needs.

HELOC — Home Equity Line of Credit

🏠 How does a HELOC work? +
Repayment Period: 10–20 years. Collateral: Your home. Interest Rates: Variable, fluctuates with prime rate. Credit Limit: Determined by home equity (current market value minus mortgage balance).
💡 Good to know about HELOCs +
HELOCs offer lower interest rates than unsecured business loans. You only pay interest on what you draw. Our founder is personally available for consultation on secured loans against real estate.

Still have questions? We're here to help — no hold music, no call centers.

📞 Call (347) 930-5754