An outsourced financial advisor aligned with your results. No monthly invoices, no retainers, no risk.
We analyze your credit lines and loans with your lenders and renegotiate the interest rates to cut what you pay each year in financing.
We review all your credit lines, term loans, SBA loans and other financing to identify where there is room to improve.
We use multiple bank-negotiation techniques to secure the best rates available to your business, including refinancing into SBA 7(a) or 504 loans where you qualify.
Our fee is exactly 50% of the annual savings achieved. If we don't save anything, we don't charge anything.
Your business saves $3,600 net per year, every year.
Worst case: If we don't reduce your cost, your business pays nothing and keeps the financial visibility we have implemented.
While we negotiate with your lenders, we implement a cash flow projection and financial KPI system in your business so you have full visibility into its financial health.
The worst case is still positive: if the negotiation doesn't lead to savings, you still keep the entire financial visibility system we built for your business. For free.
Estimates of cash inflows and outflows for the coming months.
Liquidity, coverage, leverage and profitability ratios tailored to your business.
Regular review of the indicators throughout the negotiation process.
From the first conversation to savings in your bank account.
We analyze your debt structure: which credit lines and loans you have, with which lenders and at what rates. Free 30-minute meeting.
We negotiate with lenders while implementing cash flow projections and KPIs to give your business total clarity.
The new agreement is signed with the bank. Your business starts saving. Horizon Advisory charges 50% of the annual savings achieved.
It depends on the complexity of your debt structure and how quickly the lender moves, but the full process usually takes between 4 and 10 weeks from first contact.
Any business with active lines of credit or loans with banks. We work with both small and mid-sized businesses in any sector.
We take the rate differential (old rate minus new rate) and apply it to the credit balance used during the year. That annual saving is documented and we sign the agreement before executing anything.
Not necessarily. We can negotiate better terms with your current bank. In some cases, showing competing offers from other lenders is the most effective lever.
Yes. If your business qualifies, refinancing eligible existing business debt into an SBA 7(a) or 504 loan can mean a lower rate and a longer repayment term. We assess whether it is worth it for your situation and, if so, help you approach SBA-approved lenders.