Materials supplier
Vendor bill: $4,800
Due in 14 days Customer pays in 45 days
How Harbor works
Start with the bill, not a generic loan application.
Harbor is built around one simple situation: your business owes a vendor before your customer pays you. The review starts with that bill and the timing gap around it.
What a request looks like
A real bill. A real timing gap.
Service vendor
Vendor bill: $2,650
Due this week Invoice clears next month
The review
What happens after you send the bill
01
Send the bill and timing gap
Share the vendor, amount, due date, and why payment timing is tight.
02
Harbor checks whether it fits
We look at business purpose, basic identity details, and whether the request matches available terms.
03
You see terms before deciding
If Harbor can proceed, you get the amount, fees, and repayment schedule before moving forward.
Best for
Contractors
Service businesses
Medical offices
Operating bills with a real timing gap
Not for
Personal spending
Unverified invoices
SSNs or bank credentials
Guaranteed approval or instant funding
Next step
Have a bill with a timing gap?
Send the bill amount, vendor, due date, and what your business is waiting on.