Direct funder vs broker: why it matters for your business.
Most "MCA companies" you'll find online are brokers. Here's the difference — and why it matters.
The broker problem
- How brokers work: they take your application and shop it to multiple lenders, taking a commission.
- Funding cost goes up because the broker commission gets baked into your payback.
- Your financial information is shared with multiple parties.
- You're dealing with someone who didn't actually underwrite your deal.
How Harbor is different
- Application comes directly to us.
- Funded from our own capital.
- In-house underwriting decision.
- We service the deal ourselves.
- One point of contact, start to finish.
| Working with a broker | Working with Harbor | |
|---|---|---|
| Application shared with | Multiple lenders | Just us |
| Pricing | Lender cost + broker commission | Lender cost only |
| Decision speed | Days | Hours |
| Point of contact | The broker | The actual lender |
| If you have a problem | Broker has to escalate | Talk to us directly |
| Renewals | Re-shopped | Faster, with your terms history |
What this saves you
- Lower effective cost.
- Faster funding.
- Less data exposure.
- Better service if something goes sideways.
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