Harrington Capital provides direct access to flexible credit facilities, revolving lines of credit, and structured capital solutions. Built for businesses seeking transparent, sustainable financing without intermediary fees or traditional banking constraints.
Approval based on your business performance, not just credit scores
Professional service with transparency and dedicated account management
Rapid deployment after approval with streamlined documentation
Harrington Capital is a New York-based alternative credit fund specializing in direct-to-business lending solutions. We provide institutional-grade capital access to growing companies through revolving credit lines, term loans, and structured financing products—all without broker intermediaries or traditional banking bureaucracy.
Founded on principles of transparency and alignment, Harrington Capital operates as a direct lender, meaning businesses work directly with our underwriting team and receive custom-structured terms designed around their specific cash flow patterns. Unlike broker-originated financing that prioritizes commission-based products, we present all viable options upfront and structure agreements that serve your long-term interests.
Our underwriting process evaluates revenue performance and business fundamentals rather than relying solely on personal credit scores. We specialize in revenue-based lending for established businesses seeking flexible working capital, equipment financing, expansion capital, or debt consolidation through our loan buyout program.
Every financing structure is customized before commitment—we analyze your cash flow, identify optimal repayment schedules, and present detailed terms for review. This ensures the capital solution actually works for your business model rather than creating payment strain.
Harrington Capital offers a comprehensive suite of direct lending products designed for established businesses with consistent revenue. Each solution is structured to align with your cash flow patterns and business objectives.
Our primary product offering—a flexible credit facility that functions like a business credit card with institutional terms. Access capital on-demand, pay interest only on amounts drawn, and maintain a revolving credit line that replenishes as you repay.
Consolidate multiple high-cost merchant cash advances, factor agreements, or short-term loans into a single, affordable payment structure. Our buyout program eliminates ongoing broker contact, reduces total monthly obligations, and provides clear, transparent terms going forward.
Custom-structured financing solutions for businesses with specific capital deployment needs. We offer term loans, equipment financing, credit card processing programs, and working capital facilities structured around your business's unique requirements and repayment capacity.
Harrington Capital's streamlined application and approval process is designed for efficiency while maintaining thorough underwriting standards. Our revenue-based approach evaluates your business fundamentals rather than relying solely on personal credit metrics.
Submit your business information through our secure online application. Our underwriting team requires standard business documentation: bank statements, tax returns, financial statements, and business verification. Initial review typically completes within 24 hours of receiving complete documentation.
Our analysis focuses on revenue consistency, monthly deposits, business tenure, and industry performance. Approval decisions are based on business fundamentals—typically $50,000+ in monthly revenue with 12+ months operating history. Credit lines are sized based on average monthly revenue and business stability factors.
Receive a detailed funding proposal with transparent terms: credit limit, interest rate, repayment structure, and fees. No obligation to accept. Our team reviews terms with you to ensure alignment with your cash flow patterns before you commit. Custom repayment schedules available upon request.
After accepting terms and completing final documentation, funds are typically disbursed within 24-48 hours via ACH transfer to your business account. Access your client portal for real-time balance monitoring, draw requests, payment scheduling, and document management. Future draws processed same-day through your dedicated account manager.
Approved applications receive funding within 24-48 hours after documentation completion. No waiting weeks for traditional bank approval processes.
Qualification determined by business revenue performance and cash flow, not personal credit scores or asset collateral requirements
No prepayment penalties or early payoff fees. Reduce interest costs by paying down principal anytime without restrictions
Complete disclosure of all rates, fees, and repayment terms provided upfront. No hidden costs or surprise charges throughout the relationship
No restrictions on fund usage—deploy capital for working capital gaps, payroll, equipment purchases, expansion, inventory, or existing debt consolidation
No broker fees, dedicated account manager
Complete the application form below to apply for RLOC financing. All fields marked with * are required.
To move forward and secure your formal funding offer, please provide the following:
These documents allow our underwriting team to finalize your approval and present your personalized funding terms.
Please log in to view your RLOC balance, request funds, download statements, and manage your account.
For inquiries about our RLOC program, general information, or to schedule a consultation, please contact our team.