Small business funding, built for simplicity.
Apply in 5 minutes. Same-day decisions. Funds wired in as fast as 24 hours — direct from us, never a broker.
Why do you need funding?
5-minute application · Soft credit pull · No obligation
Harbor Funded"Funded in 18 hours when our cooler died."
Maria · Bakery owner · Florida
WHY HARBOR FINANCIAL
Funding done right. Directly.
We're a direct funder — not a broker. That changes everything about how your deal gets reviewed, priced, and funded.
Your file gets shopped to a dozen desks.
- Credit pulls
- 3–8 hard inquiries
- Time to offer
- 3–7 business days
- Markup on payback
- 8–15% broker commission
- Who you talk to
- A salesperson
- Decision maker
- Somewhere else
- Every funder reviewing the deal pulls your credit again
- Broker commission is baked into your total payback
- Days of back-and-forth before any real number
Your file never leaves our desk.
- Credit pulls
- 1 soft pull
- Time to offer
- Same business day
- Markup on payback
- Zero — funded from our own capital
- Who you talk to
- Your underwriter
- Decision maker
- Right here in Port Charlotte
- Your credit score is protected — one soft pull, period
- The number we quote is the number you pay back
- Talk to the underwriter who actually approved you
Small-deal specialists
Most lenders won't touch advances under $25K. We built our underwriting for the kitchens, shops, and crews they ignore — with offers sized to the business in front of us, not a one-size box.
Decisions, not delays
Apply before noon, hear back the same business day. Most approvals wire to your business account within 24 hours of signing — no document scavenger hunts, no committee.
Real people, every call
No call centers, no script-readers, no being passed around. The underwriter who reviewed your file is the person who picks up the phone — and the same person if you call back in six months.
Harbor Funded"Funded my crew's payroll while waiting on a big invoice."
Marcus · General contractor · Florida
WHAT WE DO
One service. Done right.
Revenue-based funding — a lump sum today, repaid through small automatic debits from your business account. No APR, no compounding, no surprises.
- $1,500 to $15,000+ advances
- Daily, weekly, or bi-weekly automatic payments
- Offers based on the strength of your business
- No collateral, no personal guarantee
- Same-day decisions, 24-hour funding
INDUSTRIES WE SERVE
Funding for every kind of small business.
From kitchens to job sites to salon chairs — if you have a small business with steady revenue, we have funding that fits.
Don't see your industry? We work with all small businesses — apply →
READY WHEN YOU ARE
Find out in 5 minutes.
A real underwriter — not a bot — reviews your file the same business day.
- 5-minute applicationFive questions. No documents upfront.
- Soft credit pullDoesn't affect your personal score.
- No obligationSee your offer before committing.
Harbor Funded"Applied Tuesday morning. Money was in our account Wednesday."
Diego · Restaurant owner · Florida
OUR PROCESS
Three steps. Three days at most.
Apply in 5 minutes
Five questions. No documents to upload upfront. We tell you immediately if you're a fit.
Real offer, same day
A real underwriter reviews your file the same business day. Clear offer: amount, payback, daily, term.
Funded direct
Sign electronically. Funds wire to your business bank account — most deals within 24 hours of signing.
VERIFIED MERCHANTS
Real businesses. Real funding.
"Harbor funded us in 18 hours when our walk-in cooler died on a Friday. No bank touches a $3,500 deal that fast."
"I'd been told 'we don't go that low' by every lender online. Harbor approved my $4,500 advance the same morning."
"The number Harbor quoted was exactly what I paid back — no fees added at signing. First time that's happened to me."
DO YOU QUALIFY?
Simple requirements.
$5,000+ monthly revenue
Consistency matters more than perfect books. Bank statements verify.
No credit minimum
Business performance over FICO. Past credit issues won't disqualify you.
US-based business
Active US business with a business bank account.
FREQUENTLY ASKED
Common questions.
What's a merchant cash advance?
A lump sum of capital today, repaid through small automatic debits from your business account. It's not a loan — there's no APR or compounding interest.
How fast can I get funded?
Same-day decisions are typical. Approved deals can fund within 24 hours of signing.
Do you check my credit?
We do a soft pull that doesn't affect your personal credit score. We have no credit minimum.
Do you charge origination fees?
No. The total payback we quote is exactly what you pay back. No fees added at signing.
Is there an early payoff penalty?
Never. Pay early, pay less.
INSIGHTS & RESOURCES
Helpful reads for small business owners.
MCA BasicsDirect funder vs broker: what small business owners need to know
Most MCA companies online are brokers. Here's what that costs you — and how to tell the difference.
MCA BasicsWhen does a merchant cash advance make sense (and when it doesn't)
MCAs are fast and flexible — but they're not the right fit for every need. Here's an honest breakdown.
Cash Flow TipsCash flow planning for seasonal businesses
Practical tactics for landscapers, retailers, and anyone whose revenue swings hard by season.
Steady funding. Straight from the source.
Apply in five minutes. Talk to a real person. Get funded in 24 hours.
5-minute application · Soft credit pull · No obligation
Funding subject to approval and underwriting. Not a loan. Funding amounts and terms vary by applicant.