01 / A SEASONAL BUSINESS
Ready before
the rush.
Inventory lands. Schedules fill. Suppliers need paying. Plan for the costs that arrive before your busiest trading weeks.
Explore seasonal needs
BUSINESS CAPITAL SOLUTIONS
DIRECT BUSINESS CAPITAL
Stock for the season. Equip your team. Take on the next project. Start with your business needs and explore capital with people who take time to understand your plans.
Explore business capital01 / 03THE NEXT CHAPTER
DIRECT FUNDING. LASTING RELATIONSHIPS.
NewHarding is a direct alternative business funder for small and growing businesses. We work with owners and their financing partners to understand the business behind the numbers — and the opportunities ahead.
When a traditional bank cannot move forward, the conversation does not have to end. We consider the business on its own merits, with solutions subject to review and approval.
*Amounts, eligibility and timing vary by case. Four-hour funding is possible for qualifying completed files, subject to underwriting, verification, final approval, operating hours and bank processing. Not guaranteed.
BUSINESS CAPITAL, IN CONTEXT
Some decisions cannot wait for the calendar. Start with the work ahead, then explore the capital behind it.
01 / A SEASONAL BUSINESS
Inventory lands. Schedules fill. Suppliers need paying. Plan for the costs that arrive before your busiest trading weeks.
Explore seasonal needs
02 / YOUR NEXT PROJECT
Materials, people and capacity often need to be in place before the first customer payment. Prepare for the work ahead.
Explore project needs
03 / EVERYDAY OPERATIONS
Payroll, supplies and operating expenses follow their own schedule. Plan for the space between paying those costs and collecting receipts.
Explore operating needsEvery season has a starting point.
Let us understand yours.
A STRUCTURE THAT FITS THE NEED
A supplier payment, an unpaid invoice and a new project can create very different funding needs. The starting point is understanding what the capital needs to do, when it is needed and how the business earns its revenue.
Our primary model is Revenue-Based Funding, with invoice factoring as our second core solution. Explore the structures below before deciding what to discuss with us.
Explore our funding approachTWO CORE SOLUTIONS. A BROADER PERSPECTIVE.
01 / OUR PRIMARY FUNDING PRODUCT
Capital provided through the purchase of future business receivables. A direct relationship, a clear review process and a practical conversation about what your business needs next.
02 / OUR SECOND CORE SOLUTION
Explore capital in the context of eligible unpaid customer invoices. Start with the work already completed, the customer payment terms and the costs your business needs to cover while it waits.
EXPLORE THE BROADER CAPITAL LANDSCAPE
Revenue-Based Funding is a receivables purchase, not a loan. All products are subject to eligibility, underwriting and approval. Other capital categories are informational; confirm current availability and terms.
MOVE FORWARD WITH PERSPECTIVE
Explore capital around the way your business operates. Inventory may arrive before the season starts. Materials may be needed before a customer pays. A useful funding conversation considers those gaps alongside the opportunity ahead.
Understand Revenue-Based FundingTHE TIMING BEHIND A BUSINESS DECISION
A useful plan starts with when money moves, not just how much comes in.
ILLUSTRATIVE OPERATING CASH FLOWS
Illustrative figures only. No opening cash balance, financing, taxes or financing costs are included. This is a timing illustration, not a forecast or funding offer.
BUILT AROUND THE RELATIONSHIP
We aim to understand the business beyond a single transaction. For brokers and ISOs, that begins with a direct conversation about the file: what the business does, where it stands and what it is trying to accomplish.
Clear submissions and practical communication help keep that conversation moving. Review our guidelines, prepare the business story and connect with the partner desk about the next step.
Brokers & ISOs: partner with usCapital at the speed of business.
THE BUSINESS BEHIND THE NUMBERS
Choose an industry. Explore the costs that keep its work moving.
AUTO SERVICES / BUSINESS NEEDS
Parts may need to be ordered before a customer collects a vehicle. Consider supplier terms, stock on hand and when the repair will be paid for.
Explore your industryTechnicians and service staff keep the shop moving. Map payroll dates alongside the timing of customer receipts.
Explore your industryJobs move through the shop. Rent, utilities and day-to-day costs keep their own schedule. Plan around both before considering an offer.
Explore operating needsRESTAURANTS / BUSINESS NEEDS
Food, beverages and supplies arrive before the table is served. Plan purchasing around demand, supplier terms and storage needs.
Explore your industryBuild the staffing plan for the season ahead. Consider training, payroll dates and the receipts expected during each trading week.
Explore your industryRent, utilities and routine upkeep continue through busy and quiet periods. Bring those costs into the same business picture.
Explore operating needsCONSTRUCTION / BUSINESS NEEDS
Materials and supplier deposits can come due before the first progress payment. List what the project needs and when it must be paid for.
Explore your industryPlan for crews, subcontractors and equipment alongside the project schedule. Explain the costs required to keep each stage moving.
Explore your industryCustomer approvals and progress payments may follow a different schedule from your costs. Prepare the project milestones and expected collection dates.
Explore operating needsACROSS THE BUSINESS ECONOMY
Industry and business eligibility are reviewed case by case. Restrictions may apply.
BEYOND THE INDUSTRY LABEL
Two businesses in the same industry can have very different priorities. One may be preparing for a busy season; another may be adding capacity or keeping a project on schedule. Tell us what is happening in your business and what you want the capital to make possible.
Talk through your business needs
START WITH THE OPPORTUNITY
A SEASONAL BUSINESS
01Inventory lands. Schedules fill. Suppliers need paying. Plan for the costs that arrive before your busiest trading weeks.
Build a preparation checklistYOUR NEXT PROJECT
02Materials, people and capacity often need to be in place before the first customer payment.
Build a preparation checklistEVERYDAY OPERATIONS
03Payroll, supplies and operating expenses follow their own schedule. Plan for the space between paying those costs and collecting receipts.
Build a preparation checklistFROM AN IDEA TO A USEFUL PLAN
Start with the immediate need, then consider the costs around it. An inventory purchase may also require staffing, freight or room in the operating budget. Listing those uses helps turn a general funding request into a clearer plan.
See what to prepareCAPITAL WITH A PURPOSE
Map the uses first. Then have a more useful conversation about the amount, timing and funding structure.
A SAMPLE PLAN FOR YOUR NEXT STEP
ILLUSTRATIVE BUDGET
$80,000Allocated across 3 needs
A CLEARER NEXT MOVE
Start with your plan.
Illustrative plan only. Your budget and allocations do not represent a funding estimate, approval or offer.
TAKE A MOMENT TO UNDERSTAND
The amount is only one part of a capital decision. Consider the structure, the costs, the timing of collections and how the arrangement fits the way your business operates. Our guides give you a place to start and useful questions to bring to the conversation.
Browse the capital guideBUSINESS INSIGHTS
FUNDING BASICS
Understand net proceeds, purchased receivables and the questions to ask before deciding.
BUSINESS PLANNING
Explore the costs between taking on a project and collecting the customer payment.
PREPARATION
Bring business information, recent statements and existing obligations into one useful picture.
A USEFUL PLACE TO BEGIN
An estimate can help frame the conversation before you prepare a full file. Start with average monthly revenue, then consider the amount alongside your funding purpose and current obligations. The result is a planning reference; an actual offer requires review of the complete business.
Explore your funding estimate
A STARTING POINT, IN FIGURES
Start with average monthly business revenue, then prepare for a full review.
ILLUSTRATIVE FUNDING RANGE
Explore the estimatorIllustrative design model only, not approved for funding decisions. Not an approval or offer. Actual funding, buy rate, fees and other terms depend on underwriting, verified revenue, existing obligations and eligibility. Funding may be lower or declined.
A CLEAR NEXT STEP
When you are ready to move forward, a complete application and recent business bank statements give the review a stronger starting point. Include the funding purpose and existing obligations so the file reflects the full picture. Brokers can review the current submission guidelines with the partner desk.
Review funding requirementsBrokers: visit the partner deskROOM TO PLAN. CAPITAL TO MOVE.
A complete file keeps the conversation moving. Know what happens at each stage.
Application + three months of statements for every business account.
Review of revenue, obligations and eligibility. One-hour decision target.
Required documents, bank verification and signed agreement.
After final approval, funds are released. Bank processing affects arrival.
Possible for qualifying completed files after underwriting, verification and final approval.
*Not guaranteed. The one-hour target is a decision target, not receipt of funds. All timing depends on file completeness, operating hours, approval and bank processing.
See the full timeline and preparation checklistBEFORE YOU TAKE THE NEXT STEP
No. NewHarding is a direct alternative business funder. We work with business owners and with the financing brokers and ISOs who help them explore their capital options.
Revenue-Based Funding is a purchase of future business receivables, not a loan. It is for business purposes only and remains subject to underwriting and eligibility.
Prepare a completed application and at least three months of statements for every business account. Include your funding purpose and existing obligations so the review reflects the complete business picture.
A bank decline does not automatically determine our decision. We review the business and its circumstances individually. An alternative review is not a promise of approval.
Invoice factoring is our second core solution. Our capital guide also explains lines of credit, asset-based lending, working capital, equipment, payroll and other structures. Other categories are informational; confirm current availability and eligibility.
Visit the partner desk to review the current program, submission requirements and the process for becoming a NewHarding partner.