Thank you for your interest in our InstaCap® Business Loan

Please fill out the form below and one of our bankers will contact you.

Contact Information

Here’s how it works

No paperwork. No faxing. No waiting.

Apply in just minutes
Most customers can complete the application in less than 5 minutes. Give us a call or stop by any of our convenient branches to speak with a Business Banker.
Receive an instant loan decision
If approved, you'll receive loan documents that can be reviewed and signed digitally, or stop by one of our convenient branch locations to sign the documents.
Get your funds as fast as the next business day
Funds will be deposited directly into your Horizon Bank Business Checking account.
Grow Your Business

We made borrowing money easy so you can focus on your business.

Lending advice from
your personal banker
Get an instant loan decision
Term loans from $10,000 to $100,000
Lines of Credit from $10,000 to $50,000
Low rates and flexible options

Get the money you need for your business today!

Frequently Asked Questions

Still have questions? We have answers.

What is the loan term? What are the rates?
InstaCap® Loan is a 5 year term loan or 3 year line of credit at competitive rates based on business health and personal credit.
Can I pay off my loan balance early without paying a fee?
Yes, there is no pre-payment penalty for an InstaCap® Loan. Pay it off any time with no added fees.
What does my business need to get approved for an InstaCap® Loan?
Loan approval and rates will depend on the health of your business and how long you have been in business.
How much money can I borrow?
You can borrow between $10,000 and $100,000.
Are there any origination costs for this loan?
There is a one-time origination fee of $300 for all InstaCap® loans. The line of credit includes a $150 annual fee.
How can I use my loan funds?
You may use the funds for a business purpose such as working capital, expansion, renovation, or marketing.