White Horse Capital LLC provides fast, flexible funding solutions for small and medium businesses nationwide. Custom funding amounts tailored to your needs — approved and funded within 4–6 hours.
No credit impact · Takes under 2 minutes
🔒 Your information is secure and will not impact your credit score
Our streamlined process was built for business owners, not bankers. Three simple requirements stand between you and your funding.
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.
Your business must be generating a minimum of $15,000 in monthly revenue. Higher revenue unlocks larger funding amounts and more favorable terms.
A business checking account in your company's name. This allows us to verify revenue and process funding quickly and securely.
We cut through the red tape so you can focus on what matters — running your business.
Complete our secure 2-minute application. No lengthy paperwork, no waiting rooms. Our process is 100% online and does not impact your credit score.
Our funding specialists personally review your application and prepare a customized offer within hours — not days. Review and customize your terms.
Once you accept your offer and sign electronically, funds are deposited directly to your business bank account within 4–6 hours.
Built for speed, transparency, and results
Every business has unique needs. We offer a range of funding products to match your goals, timeline, and financial situation.
A Merchant Cash Advance provides your business with a lump sum of capital in exchange for a percentage of your future daily sales. Unlike traditional loans, there are no fixed monthly payments — repayment adjusts automatically with your revenue. Ideal for businesses with consistent card transaction volume, MCAs offer fast approval, minimal paperwork, and funding within 24 hours. No collateral required and no impact on your credit score to apply.
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Our business term loans provide a fixed lump sum with structured repayment over a set period — giving you predictable monthly payments and the ability to plan your cash flow with confidence. Perfect for planned investments such as hiring, inventory, renovations, or expanding operations. Terms are flexible, rates are competitive, and approval is fast. We work with a wide range of credit profiles and business types across all 50 states.
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A business line of credit gives you access to a revolving pool of funds that you can draw from whenever you need — and only pay interest on what you use. It is the ultimate flexible funding solution for businesses with seasonal or unpredictable cash flow. Use it for payroll, inventory, unexpected expenses, or opportunities that require quick capital. Draw, repay, and draw again on your own schedule with no restrictions on how you use the funds.
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Equipment financing allows your business to acquire the machinery, vehicles, technology, or tools you need without draining your working capital. The equipment itself serves as collateral, which often means easier qualification and lower rates compared to unsecured loans. Whether you need construction equipment, restaurant appliances, medical devices, or commercial vehicles, we can structure a financing plan that fits your budget and gets your business moving forward quickly.
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SBA 7(a) loans are government-backed financing solutions provided through the U.S. Small Business Administration, offering some of the most competitive terms available to small businesses. With loan amounts up to $5 million, longer repayment periods, lower down payments, and flexible collateral requirements, SBA loans are ideal for working capital, business acquisition, real estate, equipment, and expansion. Because the SBA guarantees a portion of the loan, lenders can approve businesses that may not qualify for conventional financing — making this one of the most accessible and affordable funding options for small businesses nationwide.
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A Home Equity Line of Credit (HELOC) allows business owners to leverage the equity built in their home as a flexible, revolving source of capital. Similar to a credit card, you draw what you need, repay it, and draw again — all during a flexible draw period of up to 10 years. HELOCs typically offer lower interest rates than unsecured business loans because they are backed by your home equity. This makes them an excellent option for business owners who need ongoing or recurring access to capital at a lower cost and with greater flexibility.
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If your business is managing multiple high-cost loans, merchant cash advances, or credit lines, our debt consolidation program can combine them into a single, manageable payment with better terms and a lower overall cost. By simplifying your repayment structure, you free up cash flow, reduce financial stress, and gain a clearer picture of your business finances. Our team works with you to evaluate your current obligations and design a consolidation solution that makes sense for your business and sets you on a stronger financial path going forward.
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With deep expertise across sectors, we understand the unique challenges and opportunities of your business.
Equipment, inventory & expansion capital
Bridge financing, equipment & payroll
Equipment, staffing & facility upgrades
Renovations, inventory & seasonal needs
Inventory, expansion & marketing capital
Fleet expansion, fuel & maintenance
No cap on funding — we work to get you the capital your business truly needs
Industry-leading approval rates across all business types and credit profiles
From approval to funds in your account — faster than any bank can offer
Extended repayment options designed around your cash flow, not a rigid schedule
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 — with exceptional customer service, personalized capital solutions, and a team that genuinely cares about your success.
Founded in 2023 with a clear mission: to help small and midsize businesses obtain financing on reasonable terms that support long-term growth — without placing unnecessary strain on their operations. We offer a wide variety of funding options with competitive rates tailored to the unique needs of each business we serve.
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 — the lengthy approvals, excessive paperwork, and long waiting periods that delay critical opportunities. This real-world experience drives our commitment to faster, more flexible financing built specifically for small and midsize businesses.
Apply for Funding →"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."
"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."
"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."
Fill out the form, upload your bank statements, and get funded within 4–6 hours. No credit impact.
Questions? I'm available to call or text anytime — no hold music, no call centers.