I Am You · America's Trusted Funding Advisor · Since 2004
I Wasn't Looking For
A Business Loan.
I Was Trying To Save My Business.
Twenty-two years later, Midas Financial has helped thousands of business owners find the capital, strategy, and guidance they need to move forward.
We don't sell loans. We solve problems — and build the funding blueprint your business actually needs.
- 22+ years in business
- A+ BBB reputation
- $2 billion+ funded
- 42,500+ transactions
- Original creator of 0% business credit card stacking
22+
Years In Business
A+
BBB Rating
$2B+
Funded
42,500+
Funding Transactions
0%
Business Credit Card Stacking Creator
★
America's Trusted Funding Advisors
Funding By Need
What Are You Trying To Build?
We don't ask which loan you want. We ask what challenge you need solved — then we build the strategy to solve it.
Payroll
Make payroll on time, every time — without personal stress.
Inventory
Stock up for seasonal demand and bulk supplier discounts.
Expansion
Open new locations and enter new markets with confidence.
Marketing
Fuel growth campaigns that pay for themselves.
Equipment
Acquire the machinery and vehicles that move you forward.
Commercial Real Estate
Own the building instead of renting someone else dream.
Working Capital
Smooth out cash flow gaps and seize opportunities fast.
Tax Problems
Resolve tax obligations before they threaten your business.
Merchant Cash Advance Relief
Escape the daily-drain trap and restructure on your terms.
Business Acquisition
Buy the business you have been building toward.
Startup Capital
Launch right with funding built for new ventures.
Business Credit
Build an EIN-based credit profile that protects your home.
Credit Restoration
Restore personal credit and unlock better terms.
Business Acquisition
Acquire competitors and scale through strategic purchases.
Why Midas
We Don't Sell Loans.
We Solve Problems.
Every business is different. Every entrepreneur has different goals. Instead of pushing products, we build funding strategies — a complete blueprint tailored to where you are today and where you want to be tomorrow.
That is why thousands of business owners continue working with us year after year. They are not a transaction. They are a relationship — and a relationship with the right advisor changes everything.
Others
The Marketplace
Midas Financial
Your Funding Advisor
Why Banks Say No
Find Out Why — And What To Do About It
A 12-question assessment that reveals your funding grade and the exact steps to improve it.
How long has your business been established?
Featured Products
A Complete Funding Toolkit
Hundreds of funding sources, organized into the solutions business owners actually need.
Business Line of Credit
Flexible, revolving capital you draw on only when you need it.
Learn MoreBusiness Credit
Build a standalone EIN credit profile — no personal collateral.
Learn MoreWorking Capital
Day-to-day operating funds to keep momentum uninterrupted.
Learn MoreSBA Loans
Government-backed loans with favorable, long-term terms.
Learn MoreEquipment Financing
Fund machinery, vehicles, and technology that pay for themselves.
Learn MoreCommercial Real Estate
Own your location and build long-term equity.
Learn MoreInvoice Factoring
Convert outstanding invoices into immediate cash flow.
Learn MoreMerchant Cash Advance
Fast access to capital based on future card revenue.
Learn MoreMCA Consolidation
Restructure stacking advances into one manageable payment.
Learn MoreBusiness Acquisition
Finance the purchase of an existing business or competitor.
Learn MoreStartup Funding
Capital and credit strategies tailored to new ventures.
Learn MoreCredit Restoration
Restore and rebuild personal credit to unlock better terms.
Learn MoreFunding Calculator
What Problem Are You Trying To Solve?
Tell us your challenge. We'll show you the funding solutions built for it.
Qualification
What Shapes Your Funding Options
These are the general factors most programs consider. We never promise approval — instead, we show you exactly which programs may fit and what could stand in the way.
Time in Business
Most programs prefer 6+ months, but startup options exist for newer ventures.
Monthly Revenue
Consistent monthly revenue opens more doors and better terms across programs.
Credit Profile
Both personal and business credit are considered — and we help you improve both.
Industry
Some industries qualify for specialized programs others cannot access.
Funding Purpose
Clear, documented use of funds strengthens your file with every lender.
Existing Debt
Current obligations are reviewed — and can often be restructured to your advantage.
Business Bank Account
An active business checking account is required for nearly every program.
Desired Amount
The amount you need shapes which programs and lenders are the right fit.
How It Works
Four Steps to the Right Funding
No hard credit pull, no sales scripts — just a clear path from where you are to the capital you need.
Tell Us About Your Business
Share your revenue, time in business, credit profile, and goals — no hard credit pull, no obligation.
Receive Your Funding Blueprint
We map the funding programs that fit your situation and flag the obstacles that could block approval.
Review Your Options With an Advisor
Speak directly with a funding advisor who explains every option in plain English — no sales scripts.
Move Forward With the Best Strategy
Choose the strategy that fits your goals and timeline, then move forward on your terms.
The Leadership Team
The Experience Behind Every Strategy
The integrity and expertise behind Midas Financial — trusted by thousands of business owners for over 22 years.
Founder & President
37+ YearsDarrell Hornbacher
Darrell Hornbacher founded Midas Financial in 2004 after building several businesses from the ground up — including a laundry business that taught him, firsthand, how the traditional banking system fails entrepreneurs. When his landlord situation forced growth and the banks demanded his home as personal collateral, he refused and instead mastered the unsecured financing strategies banks never volunteer. That discovery became Midas Financial, and the 0% Business Credit Card Stacking method he pioneered in 2004 is now used nationwide. Twenty-two years later, he has helped thousands of business owners access over $2 billion in funding — and still breaks down the "DNA" of every deal himself.
Key Accomplishments
- Founder & President, Midas Financial (2004)
- Original creator of 0% Business Credit Card Stacking
- 37+ years of entrepreneurship across multiple industries
- Helped thousands of business owners access $2B+ in funding
- Reviews the "DNA" of every funding strategy personally
Gilbert, AZ
Managing Partner
17+ YearsBlair Porter-Hornbacher
Blair joined Midas Financial in 2008 and is Managing Partner of Midas Financial Company and Midas Venture Studio. She leads branding, sales strategy, and platform growth — bringing Magna Cum Laude and Phi Beta Kappa credentials from the University of Maryland.
Key Accomplishments
- Magna Cum Laude, Phi Beta Kappa — Univ. of Maryland
- Managing Partner, Midas Financial & Midas Venture Studio
- Leads branding, sales & social media strategy
- Equity partner since 2008
Gilbert, AZ
Chief Operating Officer (COO)
40+ YearsWesley Gumeringer
Based in Gilbert, Arizona, Wesley Gumeringer is a respected executive, entrepreneur, and financial strategist with more than 40 years of experience in the insurance and financial services industries. As Chief Operating Officer of Midas Financial, Wes provides strategic leadership, operational oversight, and business development expertise that drive organizational growth and client success across the nation. A graduate of the University of North Dakota, Wes has built a distinguished career marked by innovation, leadership, and entrepreneurial achievement. He has held key leadership positions, including serving as State Marketing Director for Golden Rule Insurance, where he successfully developed marketing initiatives, expanded distribution channels, and led high-performing teams to achieve exceptional results. Wes has a proven track record of recruiting, training, and managing large-scale sales organizations, having built and led national sales teams exceeding 200 professionals. An accomplished entrepreneur, Wes has founded and built multiple businesses from the ground up — including a national marketing company that generated $33 million in gross revenue within just 18 months. Widely recognized as a leading authority on personal credit and creative financing, Wes has spent decades helping individuals, families, and business owners access funding solutions, improve financial positioning, and build long-term wealth. Beyond his executive achievements, Wes is a dynamic and accomplished speaker who has inspired audiences across the country with practical insights on entrepreneurship, leadership, personal finance, credit education, and business growth. His unique blend of executive leadership, entrepreneurial vision, and financial expertise has established him as a trusted leader, innovator, and mentor in the insurance and finance industries.
Key Accomplishments
- Chief Operating Officer, Midas Financial
- Graduate of the University of North Dakota
- 40+ years in insurance and financial services
- Former State Marketing Director, Golden Rule Insurance
- Founded and scaled multiple businesses from the ground up
- Built a marketing company generating $33M in revenue in 18 months
- Led national sales organizations exceeding 200 professionals
- Recognized authority on personal credit and creative financing
- Accomplished public speaker, trainer, and business mentor
Gilbert, AZ
Darrell's Story
I am you.
Before Midas Financial was a funding advisor, it was one business owner — and one bank that wanted his home as collateral. This is the story behind the company that has helped thousands of entrepreneurs move forward.
"I wasn't looking for a business loan. I was trying to save my business. And once I learned what the banks wouldn't tell me, I made it my life's work to make sure no business owner had to figure it out alone."
The Laundry Business
Darrell Hornbacher built a laundry business from nothing — and when he needed to grow, the banks came back with the same answer: put up your home, sign personally, risk everything.
The Refusal
He refused. Instead of risking his family home, he spent years learning the unsecured financing strategies the banks never volunteered — how to fund a business on its own merits.
2004
That discovery became Midas Financial. Darrell pioneered 0% Business Credit Card Stacking, now used nationwide to access significant unsecured capital without personal collateral.
Today
Twenty-two years later, he has helped thousands of business owners obtain over $2 billion in funding. Darrell still breaks down the "DNA" of every deal himself — because behind every strategy is a business owner whose future is on the line.
Industries We Help
Funding for the Businesses That Build America
We have helped owners across nearly every industry find the right capital and strategy.
Construction
Transportation
Manufacturing
Retail
Restaurants
Medical
Professional Services
Auto Repair
E-commerce
Home Services
Real Estate
Hospitality
What Business Owners Say
Real Business Owners. Real Results.
"Midas Financial has done wonders for my business and has helped me and my family to move forward and succeed."
— Business Owner
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Funding Blueprint Assessment
Meet Your Funding Advisor
No application yet. Just answer a few questions and we'll show you exactly where you stand — and the smartest path forward.
What is your average monthly business revenue?
Featured Podcast Videos
Funding Wisdom, Straight From The Experts
Watch real conversations on business funding, credit, and entrepreneurship from the Midas Financial team.
Midas Financial Podcast
Watch on YouTube
Midas Financial Podcast
Watch on YouTube
Midas Financial Podcast
Watch on YouTube
Midas Financial Podcast
Watch on YouTube
Quick Funding Review
Get Your Free Funding Review
Share a few details and a funding advisor will review your options — no hard credit pull, no obligation.
Your Future Starts Here
What Dream Are You
Trying to Build?
Let's build it together.
Mon–Fri · 8:00am – 6:00pm MT · Complete the contact form and a funding advisor will reach out to you.