Funding You Can Navigate By

Capital That Moves
as Fast as You Do

Funding you can navigate by. From $10,000 to $15 million — approvals based on revenue, not credit scores. No personal guarantees. No waiting weeks.

See How Much You Qualify For Explore Funding Options
$15M+ Max Funding Available
24Hrs Avg. Approval Time
1%/Mo Rates Starting From
400+ TrustPilot & Google Reviews
Why business owners choose Harborlight
No Credit Checks
No Personal Guarantees
Same-Day Available
Revenue-Based Approvals
Funding Solutions

The Right Capital for Every Stage

Whether you need to cover payroll, buy equipment, or expand to a new location, we have a structure built for it.

Small Business Loans

Up to $1.5M

Term loans with fixed payments designed for predictable cash flow. Suitable for expansion, renovation, or major purchases.

Revenue-Based Financing

Up to 35% of Revenue

Repayments that flex with your monthly revenue — you pay more when business is up and less when it slows down.

Line of Credit

$10K – $1.5M

Draw funds whenever you need them and only pay interest on what you use. A flexible safety net for ongoing expenses.

Bridge Loans

24-Month Terms

Short-term capital to close the gap between where you are and where you're going — while longer-term financing is arranged.

Equipment Financing

100% Financed

Finance the full cost of machinery, vehicles, or technology. The equipment serves as collateral — no additional assets required.

Working Capital

Up to $1.5M Same-Day

Keep operations running without disruption. Same-day funding available for qualifying businesses with consistent revenue.

SBA Loans

$50K – $5M

Government-backed loans with longer repayment terms and lower rates. We guide you through the SBA process from start to funded.

Commercial Real Estate

Up to $35M

Purchase, refinance, or renovate commercial property. We work with owner-occupied and investment properties across the country.

The Process

From Application to Funded in Days

We've cut the paperwork and the waiting. Most businesses receive a decision within hours and funding within 24–48 hours of approval.

Apply in Minutes

Complete a short application online. We only ask for what we actually need — no lengthy paperwork or in-person visits.

Same-Day Review

Our team reviews your business revenue and cash flow — not your personal credit history. Most decisions come back the same day.

Choose Your Terms

We present clear options with no hidden fees. You choose the amount and structure that fits your business, not ours.

Capital in Your Account

Once you accept, funding is deposited directly to your business account — often within 24 hours of final approval.

From the Field
We needed $400,000 quickly to take on a large contract and didn't want to deal with a bank's 60-day process. Harborlight had us funded in under 48 hours — no personal guarantee, no credit check. We've used them three times now.
Marcus R.
Owner, General Contracting Firm — Atlanta, GA
Get Started

Find Out What You Qualify For

Most business owners are surprised by how much capital they can access. Tell us a little about your business and we'll show you your options — with no obligation and no credit pull.

  • No hard credit inquiry
  • Decisions as fast as same day
  • One application, multiple offers
  • Dedicated funding advisor assigned
  • Funding from $10,000 to $35 million

Start Your Application

Takes under 3 minutes. No commitment required.

By submitting, you agree to be contacted about your application.
No credit check performed at this stage.

Approval and funding amounts subject to underwriting review. Not available in all states. This is not a commitment to lend.