Our Story
Built on Trust. Driven by Results.
Rock Harbor Funding was founded on a simple belief: every business deserves access to the capital it needs to grow — without the runaround.
Our Mission
Capital That Works as Hard as You Do
We started Rock Harbor Funding because we saw too many business owners turned away by traditional banks — not because their businesses weren't strong, but because the system wasn't built for them. Lengthy applications, opaque decisions, and months of waiting left real opportunities on the table.
Our mission is to change that. We combine the speed and flexibility of a modern lender with the expertise and relationships of a seasoned financial partner. Whether you need working capital to cover payroll, equipment to expand your fleet, or a commercial mortgage to own your space — we find the right solution and move fast.
We work with businesses across every industry, from early-stage companies to established enterprises. What matters to us isn't your size — it's your story and your potential.
Transparency
No hidden fees, no surprises. We walk you through every term before you sign anything.
Speed
We know time is money. Our streamlined process gets you funded in days, not months.
Expertise
Our advisors have deep experience across every financing product we offer.
Partnership
We're not just a lender — we're a long-term partner invested in your success.
Leadership
The Team Behind the Funding
Michael Harrington
Founder & CEO
20+ years in commercial finance. Michael founded Rock Harbor Funding after leading lending operations at two national banks.
Sarah Chen
Chief Credit Officer
Former senior underwriter at a top-10 U.S. bank. Sarah oversees all credit decisions with a focus on speed and fairness.
David Reyes
Head of Business Development
David has helped hundreds of business owners navigate complex financing decisions across real estate, equipment, and working capital.
Why Rock Harbor
What Sets Us Apart
One Advisor, Every Product
You get a dedicated advisor who knows your business and can match you to the right product — no bouncing between departments.
Nationwide Reach
We fund businesses in all 50 states with lender relationships across every major financing category.
No Obligation Consultation
Our initial review is always free. We assess your situation and give you honest guidance before you commit to anything.
Flexible Underwriting
We look at the full picture of your business — not just your credit score. More businesses qualify than they expect.
Ready to Move Forward?
Talk to an advisor today and find out what financing options are available for your business.