Most popular
Working capital
Cash for payroll, inventory or a slow month, with no collateral on the line. Our fastest and most popular product.
Funding in
24 hours,
not 24 weeks.
Funding from a direct lender. One real person handles your file from the first call to the wire, and your information is never shopped around.
$500M+ funded7,500 businessesA+ BBB rating15 years lending
Funding timelineExample
Application received
Construction company · Sacramento, CA
Revenue verified
Bank statements read, soft credit pull
Approved
Terms issued and signed
Wire sent
Funds arrive the same day
Amount funded$84,500
Funded in 1 dayLicensed direct lenderCalifornia DFPI · 60DBO75824
15 years lendingTo small businesses nationwide
$500M+ fundedAcross 7,500 businesses
Soft credit pullApplying never affects your score
Encrypted applicationYour documents stay private
Banks see a credit score. We see payroll met, shelves stocked and a business that refuses to slow down. That is who we fund.
$500M+
in capital delivered to small businesses
7,500
businesses funded across every industry
24h
fastest time from application to wire
3.2%
rates starting, with terms built around you
Six ways to fund
Capital shaped to the way your business runs
One application covers every product below. A specialist matches you to the structure with the lowest cost for your situation.
Business line of credit
A standing reserve you draw from when cash flow dips. Interest accrues only on what you use.
Term loans
A lump sum with a fixed rate and one predictable payment, built for equipment, expansion or an acquisition.
Short term loans
A quick bridge for an immediate need, repaid on a schedule you can see end to end before you sign.
SBA loans
Government-backed financing with the lowest rates and the longest repayment periods we offer.
Loan consolidation
Roll expensive existing balances into one loan with one payment and a lower blended rate.
White-glove, every time
One person on your file, start to finish.
No bots and no call-center queue. Your funding specialist picks up the phone, reviews your statements personally and stays with you until the wire lands.
A direct line to your specialist
Call or text the same person every time. They already know your business.
We fund directly
We decide in house, so you get an answer in hours and a price without a middleman markup.
Your information stays with us
We do not blast your application to a list of lenders, so your phone does not start ringing.
H
Your funding specialistUsually replies in minutes
ExampleMorning! I have your application and all three statements. Reviewing them myself right now.
Great. I need this before Friday to lock in the equipment price.
Understood. Your deposits look strong. I can get you an answer today.
You are approved for $120,000. Calling you in 5 to walk through the terms.
That was fast. Talk soon.
Approved the same morningWire sent by 1:30 PM
Every industry welcome
What owners use funding for
If your business has revenue coming in, we can likely help. These are some of the most common reasons owners apply.
Working capitalConstruction & trades
Cover materials and payroll while you wait on a draw
Term loanRestaurants
Build the patio before summer starts
Term loanTrucking & freight
Put two more trucks on the road
Line of creditRetail
Stock up ahead of your busiest season
Working capitalManufacturing
Say yes to the order that is too big to float
Term loanHealthcare & dental
Add a second treatment room
Three steps
From application to wire in one business day
Apply online, talk to one specialist, and sign electronically.
01
Apply in minutes
Tell us how much you need and upload three months of bank statements. A soft credit pull means your score is untouched.
About 4 minutes02
Get a same-day decision
Your specialist reviews your file personally, looking at revenue and business health, then calls with real terms.
Same day03
Receive your funds
Sign electronically and the wire goes out. Most clients see funds in their account within 24 hours of approval.
As fast as 24 hoursDirect beats the middleman
Faster than a bank. Straighter than a broker.
HarlowBrokersBanks
Who funds youWe do, directlyWhoever buys your fileThe bank
Your informationStays with usSent to a list of lendersStays with the bank
Who you talk toOne specialist, start to finishA different rep each callA branch officer
CostDirect pricingLender rate plus a commissionLow, if you qualify
Time to a decisionSame dayDaysWeeks
Checking your optionsSoft credit pullOften several pullsHard credit pull
Run your numbers
See what a payment could look like
Move the sliders to estimate a weekly payment, then apply for that amount.
$10K$750K
3 mo18 mo
Estimated weekly payment
$2,458
- Estimated total payback
- $95,863
- Number of weekly payments
- 39
Estimates are for illustration only and are not an offer. Your specialist confirms exact terms before you sign anything.
From owners we have funded
What working with us is like
“Needed inventory cash fast for Q4. My bank would've taken months. My loan specialist actually understood retail cash flow. Smooth, straightforward, and I reviewed everything before signing. Speed was remarkable.”
Boutique ownerRetail · Funded client“Freezer died on a Friday. Called them, approved by afternoon, funded next business day. Real person on the phone who got the urgency. Didn't treat me like a number. Saved my inventory.”
Restaurant ownerRestaurant · Funded client“Won a big commercial bid and needed materials cash immediately. Credit was a bit bruised. They looked at my revenue, not just my score. $150K in under 24 hours. Helped me jump on the opportunity.”
ContractorConstruction · Funded client“Used their business line of credit to hire two senior consultants while waiting on receivables. Only paid interest on what I drew. Dedicated specialist responded fast, no bank queues.”
Consulting firm ownerConsulting · Funded client“Needed to upgrade our imaging system. Got an unsecured term loan with fixed rates and set payments. Online application was a breeze. Reviewed everything first. Funded fast, improved patient care sooner.”
Dentist and practice ownerDental practice · Funded client“Big client project needed equipment rentals and temp staff fast. Pre-approved in minutes, funded in 24 hours. Was able to grow my business and jump on the opportunity.”
Landscaping company ownerLandscaping · Funded client“Credit took a hit after the pandemic. They focused on revenue and my plan, not just my score. Felt like a real resource for small business growth, not a bank looking to say no.”
Auto shop ownerAuto repair · Funded client“Consolidated three high-interest loans into one predictable payment at a much lower rate. Saved significant interest and simplified finances. Fast, efficient, and I reviewed everything first.”
Agency ownerMarketing agency · Funded client“Had a dedicated specialist who understood my business model. Called or emailed him directly, fast answers. Felt like a partnership, not a number. Their mission to cut banking bureaucracy is real.”
IT services ownerIT services · Funded client“Needed working capital before a new class session. Simple application, decision in minutes, funds next day. Fast, flexible, professional. Highly recommend to any small business owner.”
Studio ownerFitness studio · Funded clientQuestions
What owners ask before applying
How fast can I get funded?
Most approved clients receive a wire within 24 hours of signing. The fastest path is working capital, which can fund the same business day.
What credit score do I need?
There is no hard minimum. We underwrite on revenue and business health, so owners with challenged credit are approved every day. Stronger credit unlocks lower rates.
How much can I borrow?
Between $10,000 and $750,000, depending on your monthly revenue and time in business. Your specialist shows you the exact ceiling for your profile before you commit to anything.
Will applying hurt my credit?
No. Seeing your options uses a soft credit pull, which other lenders cannot see and which does not change your score.
What documents do you need?
For most products, the application and your last three months of business bank statements as PDFs. Larger amounts or SBA loans may need tax returns and a simple financial summary.
Are you a direct lender or a broker?
Harlow is a licensed direct lender, license number 60DBO75824. Your application is underwritten and funded in house, which is why decisions come back in hours. We do not send your information out to a list of lenders.
What are the rates?
Rates start at 3.2% and depend on the product, term length and your business profile. You always see the full cost in writing before signing, with no hidden fees.
What can I use the funds for?
Anything that moves the business forward: payroll, inventory, equipment, marketing, expansion, tax obligations or consolidating more expensive debt.
See your funding offer today.
Check your options in minutes with a soft pull. If the numbers do not work for you, walk away and owe nothing.