Revenue-Based Funding — small business capital, fast.
Get a lump sum today. Pay back through a small percentage of your daily sales. No collateral, no personal guarantee, no surprises.
What is Revenue-Based Funding?
Also called a Merchant Cash Advance (MCA). You receive a lump sum upfront and repay it through small, automatic ACH debits — daily, weekly, or bi-weekly — until a fixed total is collected. It's not a loan: there's no APR, no compounding, no balloon.
A concrete example
ABC Plumbing applies for $10,000. Harbor approves with a fixed total payback, 100-day term, daily payments. ABC receives $10,000 wired the next business day. Harbor debits a small fixed amount each business day from ABC's account until the agreed total is collected. One number quoted up front, one number paid back — no APR, no surprises.
What it's good for
Terms at a glance
| Advance amount | $1,500 – $15,000+ |
| Pricing | Flat total payback quoted up front — no APR |
| Term | 60 – 180 days |
| Payment frequency | Daily, weekly, or bi-weekly |
| Collateral | None required |
| Personal guarantee | Not required for most deals |
| Origination fee | $0 |
| Early payoff penalty | None |
| Decision time | Same day for most |
| Funding time | 24 hours after signing |
MCA vs bank loan
| Bank loan | Harbor MCA | |
|---|---|---|
| Application time | Days to weeks | 5 minutes |
| Approval time | 2–6 weeks | Same day |
| Documents required | Tax returns, financials, business plan | Bank statements after pre-qual |
| Collateral | Often required | None |
| Personal guarantee | Required | Usually not required |
| Bad credit | Disqualifying | Not disqualifying |
| Cost structure | APR-based | Flat total payback |
MCA FAQ
Is this a loan?
No. It's a purchase of future receivables — repaid through small automatic debits, not interest.
How is cost calculated?
We quote one flat total payback up front, based on the strength of your business. That number is exactly what you repay — no APR, no compounding, no surprises.
What if my sales drop?
Talk to us. We'd rather restructure than have you miss a payment.
Can I refinance?
Renewals are available once you've paid down 70%+.
Will this hurt my credit?
Our soft pull does not impact your personal credit score.
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