Funding for contractors and home-service businesses.
Bridge to the next draw. Fund materials and crews before invoices clear.
Why this industry
Why contractors come to Harbor
You win a job, then you have to front materials and payroll for weeks before the first draw lands. A bank loan takes longer than the job itself. Harbor funds against your existing revenue so you can stage materials and pay your crew on Friday without waiting on the GC.
Real example
A roofing contractor needed $8,500 to stage materials for a multi-house job. Funded in 24 hours; repaid in 100 business days.
Fast capital when it matters
Same-day decisions and 24-hour funding for approved deals — no broker delays.
Payments that match your cash flow
Daily, weekly, or bi-weekly debits sized to a small share of your revenue.
Direct funder, no middleman
Your application stays with us. No commissions, no shopping your file around.
Common uses of funding
What contractors owners say
From businesses Harbor has funded.
"Got materials on site Monday for a job that paid out in 60 days. That's the whole game."
"Payroll was due Friday and a draw was late. They funded Thursday. Crew didn't even know."
"No personal guarantee, no lien on the business. That mattered to me."
Industry FAQ
Can I use this for a 1099 sub-heavy business?
Yes — we underwrite on business revenue, not W-2 payroll structure.
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