The team

Banking expertise at the service of your business

Horizon Advisory was born from a simple question: why do small businesses negotiate with banks without an expert on their side of the table?

Photo of Arthur Bertrand Fernandez, founder of Horizon Advisory

Arthur Bertrand
Fernandez

Founder and Director · Horizon Advisory

Trained at ESADE with a specialization in Finance, Arthur has built his career in some of Europe's most demanding financial environments. He started in wealth management in Geneva, working with complex wealth structures for private banking clients. He currently combines running Horizon Advisory with M&A transactions at ILV Silver, Madrid.

CFA Level II candidate and active member of the CFA Institute, the most prestigious certification in financial analysis worldwide. That background lets him understand exactly how banks think, what margins they have and how to negotiate from a position of real knowledge.

Horizon Advisory is the logical result of that path: applying the level of analysis of corporate banking to debt negotiation for small and mid-sized businesses.

CFA Level II Candidate CFA Institute · Active member
M&A · ILV Silver Madrid · Currently active
Wealth Management · Geneva Private banking, Switzerland
ESADE Business School Specialization in Finance

Why Horizon Advisory

What sets us apart

01

Inside the system

We know banks' internal risk models and the real margins institutions work with. We negotiate with their own tools.

02

No risk to you

We only get paid if we reduce your cost of debt: 50% of the annual savings generated. If we don't save you money, we don't charge anything.

03

Independent

We are not the bank. We work exclusively for you, with no incentives from any financial institution and no product to sell.

04

Analytical rigor

CFA training and M&A experience applied to small-business bank negotiation. The same level of analysis as a large corporation, for your business.

How much are you overpaying?

Free first consultation. We analyze your debt structure and tell you whether there is room for improvement, no obligation.

Book a free meeting