Funding Small to Medium-Sized Businesses
Commercial Funding Without The Legwork
With Harvest, you will complete a single application, work with a single representative, and receive multiple verified pre-approval offers from reputable commercial lenders who are dedicated to funding businesses in your industry.
Endless Applications
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Don't spend countless hours of research and online applications, just to be met with rigid terms and expensive rates.
Automated Denials
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Get your application seen by real underwriters. We work directly with funding institutions to negotiate pre-approval offers.
Spam & Predatory Offers
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We protect your personal information from lead sharing platforms and predatory marketing networks that sell and trade your personal data.
our commitment
No Cost
Until You
Get Funded
Your Reliable Partners in Commercial Funding
We are a team of experienced funding professionals, dedicated to helping businesses find funding opportunities that are affordable, and make sense for your needs. Our services are designed to streamline the application & approval process, offering clarity, accuracy, and peace of mind.
A Comprehensive solution for Commercial Funding
We provide a step-by-step set of solutions to help streamline the lending process for SMB's. This includes:
Funding Consultation
We look at your funding goals and financial situation in order to determine the best path for funding your business.
Pre-Approvals
We build a curated list of pre-approval offers, allowing you to pick terms that most align with your goals.
Get Funded
We work with you throughout the entire underwriting & approval process. We don't stop until you receive funding.
We Simplify The Funding Process
For the majority of SMB's, the funding process is filled with: Endless online searches, confusing terms, misleading promises, or even flat-out predatory lending "opportunities".
Our clients get to benefit from our years of funding experience, and curated network of lenders (Who are dedicated to funding SMB's).
Companies who work with us:
Go Straight to Pre-Approval
After the onboarding process (where we gain a clear understanding of your needs and financial situation), simply sit back and relax while we research, connect with, and acquire pre-approvals for your business on your behalf.
Get Transparent Feedback on Loan Terms
We provide our own summary of terms for every pre-approval we get for you. This ensures that you know exactly what your terms are BEFORE you sign.
harvest will never sign a legally binding agreement on behalf of you, or your business.
Our Lending Network is Dedicated to Business Funding
20+
Dedicated Commercial Lenders
$10M
Loan Approvals
150+
Industries Served
<20
Typical Days to Get Funded
Stories & Case Studies
Evergreen Landscaping Services
Commercial & Residential Landscaping
Evergreen Landscaping won a large commercial contract, and needed $50,000 in order to fund additional equipment and crew members.
This expansion increased their monthly revenue by $30,000, paying for the investment within 6 months.
Spotless Commercial Cleaning
Commercial Cleaning & Sanitation
SCC saw a demand in their area for several high-profit cleaning services, but these services required expensive equipment and resources they didn't have.
They sought out $35,000 to cover a variety of new equipment purchases, and staff training costs.
This investment enabled the company to increase their average invoice amount by 40% within weeks of funding.
Guardian Security Solutions
Private Security
Guardian Security Solutions won a first-time bid on a large security contract, bound by a Net-60 payment term.
In order to cover licensing, uniforms, and equipment, Guardian sought out $60,000 in operating capital.
In addition to covering the Net-60 pay gap, this funding allowed them to secure a three-year contract ($450,000 annually) and convert the first-time client into a long-term relationship.
Problems & Solutions
Negotiating Funding Terms
We leverage a number of offers from our integrated network of lenders in order to ensure competitive rates. When we provide you with a list of pre-approvals, you are receiving a list of the most competitive offers for your lending needs.
Disclaimer: Pre-approval terms are calculated based on the information you submit to us. Terms are subject to change if the underwriting process finds this information to be inaccurate.
Surviving The Underwriting Process
Before approaching lenders, we take a number of steps to review the 120+ risk factors that lead to over 90% of automatic denials, and signal poor creditworthiness during the underwriting process.
Avoiding
Automated Denials
We have built close personal relationships with dozens of reputable commercial-lending institutions. This allows us to bypass many of the automated application processes, and work directly with the decision makers.
Frequently Asked Questions
1. What types of businesses do you help get funded?
We specialize in helping small and mid-sized businesses (SMBs) across more than 150 industries. Whether you’re a startup seeking initial capital or an established company looking to expand operations, we connect you with lenders who understand your sector.
2. How is your funding process different than working directly with lenders?
Traditional funding is often confusing and time-consuming. Our process removes the guesswork — we do the research, reach out to our lender network, and secure pre-approvals on your behalf. You’ll receive clear, transparent terms before signing anything.
3. What does “No cost until you get funded” mean?
You don’t pay anything upfront. Our compensation is based on successfully helping your business get funded. If you don’t receive funding, you owe nothing.
4. What types of funding can you help me obtain?
Depending on your business and goals, we can help with working capital, equipment financing, expansion loans, short-term bridge loans, or other commercial funding products. Our team matches you with lenders that fit your needs.
5. How long does it take to get funded?
On average, our clients receive funding within 20 business days from the time we complete onboarding and pre-approval steps. The timeline depends largely on the preparedness and funding goals of the business. Harvest has helped clients receive funding in as little as two days. Other clients, with more unique goals, have required several months of preparation prior to receiving a competitive offer.
6. What information do you need to get started?
We’ll review your business profile, financial goals, and a few basic financial documents to understand your situation. This helps us identify funding programs and lenders best suited to your needs.
7. What happens after I complete the onboarding process?
Once you’re onboarded, our team researches and negotiates pre-approval offers from multiple lenders. You’ll then receive a summary of each offer — including interest rates, terms, and fees — so you can choose what works best for you.
8. How do you ensure transparency during the process?
Every pre-approval includes a clear summary of terms written by our team. We never sign or agree to funding on your behalf — you remain in full control of all final decisions..
9. Will applying with you affect my credit?
No. We gather information to provide you with pre-approval offers that use soft inquiries. You’ll only face a hard credit pull once you select a lender and proceed to full underwriting.
10. How do you help businesses avoid denials or poor terms?
Before reaching lenders, we analyze over 120 risk factors that commonly trigger automated denials. By addressing these early, we improve your odds of approval and ensure you’re presented in the strongest possible light.
11. Are you a lender?
No — We act as your partner and advocate, helping you navigate the lending landscape and connect directly with trusted, reputable lenders.
12. How much funding can my business qualify for?
This depends on factors like your revenue, credit health, industry, and current financial position. During our initial consultation, we’ll provide realistic funding ranges and lender options.
13. How do you choose which lenders to work with?
Generally Speaking: We maintain close relationships with more than 20 dedicated commercial lenders who either specialize in, or have a department dedicated to, SMB funding. Each has been vetted for integrity, reliability, and fair lending practices.
As it relates to your funding needs: We will seek pre-approval offers from lenders that have a history with providing great opportunities to other businesses like yours.
14. Do you work with startups or only established businesses?
Both. While established businesses typically qualify faster, we also assist startups in identifying programs or alternative lenders that support new ventures.
15. How do I get started?
Click one of the “Get Funded” or “Schedule a Consultation” links on our site. You’ll complete a short form, and book an appointment with one of our funding specialists to begin your initial consultation. (booking a call with our team is not an obligation to proceed with our services)
Start The Funding Process Today
Click the link below to schedule your initial funding consult, and streamline the process to affordable commercial funding for your business.
Your trusted partner in commercial funding. Contact us today to get funded.
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