Private Credit - Harbor & Co.
Capital Without
The Collateral.
Performance-based lending for businesses and individuals who have outgrown what banks are willing to offer. Flexible structures. Private deals. Fast decisions.
Every facility is structured around your specific financial position - not a standard template.
"We don't need your car or your watch.
We need to understand your business -
your cash flow, your performance,
your trajectory.
That is what we lend against."
What Is Private Credit
Lending Based on
Performance, Not Assets
Private Credit is structured capital provided directly by Harbor & Co. - outside the traditional banking system, without the bureaucracy, and without requiring hard collateral. Your financial performance and business fundamentals are the foundation of every deal we structure.
Whether you are an individual with a funding gap or a business seeking a structured credit facility, Harbor works with you to design terms that fit your situation - not a standard bank template.
Discuss Your Facility →Who We Work With
Private Credit
Is For You If...
We assess each client individually. If you have a genuine funding need and the financial substance to support it, we want to hear from you.
Start the conversation →Strong business cash flow
Your revenues are consistent but banks won't move fast enough for the opportunity.
Demonstrable personal income
You have a stable, verifiable income and need a structured credit facility - not a payday product.
A deal too large for retail lending
Your funding need is too bespoke or too large for any standard product on the market.
Absolute discretion required
You need a capital partner who treats your financial position as private by default - not on request.
The Process
From Inquiry to Funded
Three steps. No lengthy application forms. No committee delays. Just a direct conversation with our credit team.
Tell us what you need.
No forms. No commitments. Just contact us directly and describe your funding requirement. A member of our credit team will respond within 24 hours.
We review your position.
Our team assesses your financial fundamentals - cash flow, performance, and business trajectory - and structures a facility proposal within 24–48 hours.
Terms agreed. Capital deployed.
Once you accept the terms, the facility is activated and capital is deployed. No further bureaucracy.
Our Differentiators
Six Reasons to Choose Harbor for Private Credit
Every point here is a direct contrast to what a bank would tell you - and what we actually deliver.
No Collateral Required
Your assets stay yours. We lend against cash flow and business performance - not what you own.
Bespoke Deal Structures
No two Private Credit facilities are identical. Every term is negotiated around your situation.
Fast Credit Decisions
Initial assessment within 24–48 hours. Not weeks. Not committee cycles.
Corporate and Personal
We work with individual borrowers and structured corporate credit facilities with equal seriousness.
Private by Design
Every transaction is handled with complete confidentiality. Nothing is reported externally.
Direct Relationship
You deal with our credit team - not a chatbot, not a call centre, not a scoring algorithm.
Get in Touch
Let's Discuss
Your Capital Needs.
Private Credit deals are structured individually. The first step is a direct conversation with our credit team - tell us what you need and we will tell you what is possible.