Shining Horse Financing delivers lines of credit, equipment financing & leasing, and working capital for businesses of every size — small startups to large operations. No collateral required, and most applicants get approved within 24 hours.
Whatever stage your business is at, we structure funding to match how you actually operate.
Revolving access to capital so you draw funds when you need them and only pay for what you use.
Fund machinery, vehicles, tech, and tools with terms structured around the equipment's useful life.
Keep cash flow flexible by leasing equipment or assets instead of tying up capital in ownership.
Cover payroll, inventory, and day-to-day operations with funding designed for short-term needs.
Right-sized financing for startups and small operations that need to move fast without red tape.
Higher-limit funding solutions built for established businesses with larger capital requirements.
Every business is different — we tailor terms, repayment schedules, and limits to fit your operation.
Streamlined underwriting gets most applicants a decision within 24 hours of submitting.
Looking for financing on a new or used car or truck? We work with all types of credit and make every effort to get you approved — look no further. We'll deliver your vehicle right to your doorstep.
We built our process around speed, accessibility, and flexibility — the things business owners actually need.
Our streamlined review process means you're not waiting weeks for an answer. Most decisions come back within a day.
Access capital without pledging assets. We evaluate your business on its merits, not just what you can put up as security.
From solo operations to multi-location companies, our financing scales to match where your business is today.
Repayment structures designed around your cash flow, not a one-size-fits-all template.
A simple online application with no unnecessary paperwork or hidden requirements.
Work directly with our team throughout the process — from application to funding and beyond.
Four simple steps between you and the capital your business needs.
Fill out our short application — takes just a few minutes, no paperwork mailed in.
Our team evaluates your business and matches you with the right financing product.
Most applicants receive a decision within 24 hours — no collateral needed.
Once approved, funds are released and you're ready to put them to work.
Whatever you run, if you need capital to grow or keep moving, we want to hear from you.
A few words from clients who've financed their growth with Shining Horse.
"We needed equipment financing fast to take on a new contract. Shining Horse had us approved in under a day and the terms were straightforward — no surprises."
"As a small business, we assumed we'd need collateral to get any real funding. Shining Horse worked with us on a working capital line without that requirement. Huge relief."
"We scaled from one location to three in under a year, largely because Shining Horse structured a leasing arrangement that kept our cash flow healthy the whole way."
Tell us a bit about your business and what you need financing for. A member of our team will follow up quickly — most applicants hear back within 24 hours.
Fields marked * are required.