Our advantage

Grant Harbor Capital focuses on accounts receivable financing, commonly known as invoice factoring. We offer services tailored specifically for small and mid-sized companies and emphasize quick turnaround, transactional simplicity and flexible forms of financing. Some other ways Grant Harbor Capital stands out:

  • We're focused primarily on the credit of your customers and the validity of your invoices, not on your credit and time in business. We'll fund you when a bank won't.
  • Less expensive than equity financing and less dilutive to the business value you've created. No need to grant equity warrants or raise additional equity.
  • Quick turnaround and approval time. No lengthy bank credit committee process.
  • We offer Flexible form of financing. Submit only the receivables you wish to factor.
  • Ideal way to finance growth. Financing availability grows with your sales, bring on those additional sales people.
  • An asset purchase and not debt. Actually reduces your debt ratios and improves your balance sheet.
  • Improves your receivable collections and reduces your collections expense. Outsources receivables collections to our highly experienced servicing team. Our interests are fully aligned - we both want to see your customers pay your invoice.

Who are our services for, and why?

You've worked hard to build your company and generate sales from quality customers, but need access to critical working capital to pay operating expenses while awaiting customer payments.

Your company doesn't yet meet the rigid underwriting criteria required to obtain traditional bank financing and you wish to avoid diluting the equity value of founders/management through granting equity warrants or bringing on new investors.

Accounts receivable financing provides the ideal solution for entrepreneurial, small and mid-sized companies to meet critical working capital needs and achieve growth objectives without diluting equity and with less stringent underwriting criteria and quicker time to close than traditional bank financing.