FullHorn Finance LLC

02/18/2026

Take our 2-minute Financial Strength Assessment to see how your business is positioned - and identify potential areas to strengthen.

🔎 Quick. Practical. No obligation.

Take the FullHorn Finance Brief Financial Strength Assessment; 2 minutes to identify business blind spots and growth opportunities.

01/11/2026

Why get one type of cash flow financing over another? Here is some quick insight:

- Factoring → Strong customers, slow-paying invoices

- Line of Credit → Good credit, flexible cash access

- MCA → Speed first, structure later

- PO Financing → Need cash before invoicing

11/03/2025

Excited to share this podcast with our followers.
Learn more about our story and what we do on the link below.

Again thank you Bill Billotte, with Lowcountry Revolutionaries, for taking the time for our podcast.

https://www.buzzsprout.com/2512710/episodes/17624812-financing-your-future-david-timmerman-on-simplifying-business-growth-with-fullhorn-finance

Follow up with us on FullHornFinance.com

Join Bill and his guest David Timmerman. David grew up in Europe and went to school at UC San Diego for his undergrad and University of South Carolina for his MBA. Prior to founding FullHorn Finance, he worked in Corporate America, Boeing, Porsche...

10/10/2025

We have been helping several clients lately with business plans and financial projections.

The common thread we share with all of them is:

The better you tell your business story, and explain your financial needs with data and info that is easy to follow logically, the easier it is for the lender to say yes.

We have started offering a paying service to help business owner develop stronger business plan and projections. Of course we will still review your existing ones for free.

Please reach out and let us know how we can help your business.

09/30/2025

Got to go visit one of our clients we recently financed and who is now open: The Local Pickle, in Bluffton, SC.
11 indoor pickle ballcourts, which is perfect for the hot summer months, the rainy hurricane season days, the colder winters, or just anytime you want to play. They have delicious fresh food and drinks, made on site, including smoothies. Come check them out too!
thelocalpickle.com

09/03/2025

Nearly half of business owners in a recent Dealstream survey believe financing is getting harder.

We see it differently. With access to 100+ lending partners, FullHorn Finance helps businesses secure the right financing when it matters most.

What’s your take, is financing getting harder or easier?

> If you’re looking for funding now, reach out, we’ll help you find the right solution.

06/03/2025

Our clients often ask which type of business financing is right for them.

Here are the most common solutions we help clients with:

1. Starting, buying, or expanding a business? → SBA Loans
Government-backed financing for startups, acquisitions, franchises, and working capital. Terms of 10–25 years. Rates around 9–12%. Processing time: 60–90 days.

2. Buying or cashing out real estate? → Commercial Real Estate Loans
Finance up to 80% of property value (including multifamily, RV parks, and commercial spaces) in 2–4 weeks. Rates from 8–12%.

3. Need to buy equipment? → Equipment Financing
Finance or lease new or used equipment. Fast funding (1–2 weeks). Rates range from 7%–28%.

4. Need fast cash for an established business? → Merchant Cash Advance (MCA)
Get an advance on future sales in as little as 2 weeks. Rates: 15–35%. High cost, but fast and easy.

5. Want flexible access to funds? → Business Line of Credit
Draw funds as needed—pay only on what you use. Great for seasonal needs or emergencies. Rates from 15–35%. Funded in 2 weeks.

6. Tired of waiting 30–90 days for customer payments? → Invoice Factoring
Get up to 80% of unpaid B2B invoices upfront. Reliable cashflow, with setup in ~30 days. Rates: 2–4% monthly.

7. Have orders but need funding to deliver? → Purchase Order Financing
Finance up to 80% of large purchase orders. Great for fast-growing or early-stage businesses with solid contracts. Setup in ~30 days. Rates: 2–4% monthly.

Questions? Looking for a custom solution?
Let’s talk—there’s almost always a way to structure financing around your needs.

Call now to connect with business.

05/21/2025

New Business Under 24 Months? Explore Financing Options That Work.

If your business is less than two years old, financing options may seem limited — but there are ways forward.

Here are some financing options to consider:

1. Purchase Order Financing
Have a contract or purchase order but need funds to fulfill it? We work with lenders who can finance up to 80% of the order’s value — helping you deliver and get paid.

2. SBA Loans
Typically requiring 20–30% down, some lenders we work with may offer as low as 15% down for strong deals or franchises, with a solid business plan.

3. Equipment Financing
Whether you are a new business or looking to upgrade, we have lenders who finance new or used equipment — often with little money down. We also welcome equipment providers seeking financing partnerships.

4. Private Investors
We have connections to private investors, mostly focused on real estate deals, but open to larger opportunities.

We are happy to help. Contact us today to discuss your options and next steps.

05/11/2025

Happy mother's day to all moms out there. Especially the ones in our lives and who helped us become who we are today!

11/30/2024

Understanding the basics of lending and business financing…

Business owners we speak to on a daily basis have several of the same questions:
- Can I get financing?
- How much can I get approved for?
- Do I have to put money down?
We explain to them that regardless of the source of financing it really comes down to one thing: Risk.
Many lenders have strict parameters for what industries they will work in and types of deals they will finance.

We tell business owners we work with that there are really three things that lenders want to see to mitigate that risk:
1. Does the borrower have skin in the game? (i.e: money down)
2. Will we get our money back? (i.e: Is the business profitable, or on a path to become profitable? Is this an industry we know and trust? Does the borrower have experience in this industry? - in the case of an acquisition or startup. Can the borrower make the payments while preserving positive cashflow?)
3. Should things go wrong, how do we get our money back? (i.e: Does the borrower have collateral?)

Lenders approving a deal comes down to a combination of these three elements. I remind borrowers that lenders are in the business of making money and it is mutually beneficial for everyone involved that the third point above never has to be acted on. It also give the lender more peace of mind to see a borrower with collateral as in addition to point 3 above, it also illustrates that the borrower knows how to manage money.

In our next post we will talk about each of the points above in more detail. Stay tuned.
In the meantime, please reach out to us for any questions or help with business financing.

11/22/2024

Few small businesses get the funding they need.

Several statistics from various sources including the US Chamber of Commerce and the Federal Reserve Board show that about 32% of small businesses that apply for credit got the funding they need.

This is also confirmed by several small business owner we speak to, who find it hard to get financing.
FullHorn Finance can help! This is why we exist. To help the small and medium size owners that need financing for their diverse business needs.

Working with over a hundred different lenders ranging from specialty banks, PE firms, private individuals, ... we can offer you more alternatives and not only loans.

There are several other financial products we can offer businesses:
- Accounts receivable factoring to help cash flow
- Purchase order financing to fill that big order or contract
- New and used equipment leasing
- Consumer financing so you can offer payment terms to your customers and increase your sales on higher priced services and products
- Construction and bridge loans
- Traditional loans and other products ...

Ask us how we can help your business. We look forward to speaking with you.