Your Business Deserves Better Funding
Rock Harbor Funding is your nationwide partner for commercial financing. From working capital to commercial real estate, we guide you through every step — with speed, clarity, and terms built for growth.
Our Solutions
Financing Solutions Built for Business
Whether you need capital to grow, equipment to operate, or real estate to expand — we have a solution tailored to your business.
Capital for every stage of growth
Business Funding
General business financing designed for growth, expansion, acquisitions, and operational needs. Whether you're scaling a proven model or seizing a time-sensitive opportunity, our business funding solutions provide the capital you need with flexible structures. Terms range from 1–10 years with amounts from $25K to $5M.
- Amounts from $25K to $5M
- Terms from 1–10 years
- Growth, expansion & acquisitions
- Startups to established businesses
Get the tools your business needs
Equipment Leasing
Finance the equipment your business depends on without depleting your working capital. From heavy machinery and commercial vehicles to medical equipment and technology infrastructure, our leasing programs keep your cash flow intact while you access the tools that drive productivity and revenue.
- Machinery, vehicles & technology
- Terms from 24–84 months
- Preserve working capital
- Medical & specialty equipment
Own the space your business calls home
Commercial Mortgages
Purchase, refinance, or build commercial real estate with competitive financing tailored to your property type. We finance office buildings, retail centers, warehouses, industrial facilities, and mixed-use properties nationwide. Competitive fixed and variable rates with loan amounts from $500K to $25M+.
- Loan amounts from $500K to $25M+
- Fixed & variable rate options
- Office, retail, warehouse & more
- Purchase, refinance or construction
Fast funds for day-to-day operations
Working Capital
Access the cash your business needs to cover payroll, inventory, seasonal demands, and unexpected expenses — fast. Our working capital solutions are designed for speed, with approvals in as little as 24–48 hours. No collateral required for qualified businesses. Amounts from $10K to $500K.
- Approvals in 24–48 hours
- Amounts from $10K to $500K
- No collateral required
- Payroll, inventory & seasonal needs
Government-backed terms that work for you
SBA Loans
Leverage the power of government-backed financing with SBA 7(a) and SBA 504 loan programs. Designed for small businesses, SBA loans offer lower down payments, longer repayment terms, and competitive interest rates that are difficult to match with conventional financing. Ideal for startups and established businesses alike.
- SBA 7(a) and SBA 504 programs
- Lower down payments
- Longer repayment terms
- Competitive government-backed rates
On-demand capital, always within reach
Business Lines of Credit
A revolving business line of credit gives you on-demand access to capital whenever you need it. Draw only what you need, repay on your schedule, and your credit replenishes as you pay it down. Amounts from $25K to $1M — perfect for managing cash flow gaps, seizing unexpected opportunities, and staying agile.
- Amounts from $25K to $1M
- Revolving — replenishes as you repay
- Draw only what you need
- Cash flow & opportunity management
Why Rock Harbor
Why Business Owners Choose Rock Harbor
We've built our process around one goal: getting qualified businesses funded quickly, fairly, and with a partner they can trust.
Many of our working capital and funding solutions are approved within one to two business days.
We operate nationwide, serving businesses in every state with the same level of dedicated service.
From equipment leasing to commercial mortgages, we have a solution for every stage and type of business.
Every client is paired with a dedicated financing advisor who guides you from application to funding.
Get Started Today
Ready to Fund Your Next Move?
Our application takes minutes. A dedicated advisor reviews your file personally and works to get you the best terms available. No obligation, no pressure — just a clear path to the capital your business deserves.
Submit Your Application
Complete our simple online form in minutes.
Advisor Review
A dedicated advisor personally reviews your file.
Get Funded
Receive your offer and access your capital.