Harbor Trade Credit

Harbor Trade Credit operates as a fintech firm specializing in supply chain finance (SCF) and working capital solutions designed to enhance the cash conversion cycle for businesses. Founded in 2018 and registered as a Florida Limited Liability Company, the firm is led by co-founder and President Bryan Maloney, an expert in international trade finance with senior experience at companies like Tradewind and Stenn International. The team also includes Joaquín Jiménez Krijgsman, who leads global business development and has an extensive background in trade and supply chain finance from his time at ING.

The company's core business revolves around a proprietary platform, HarborTrade, which facilitates a buyer-driven supply chain finance model. This model allows buyers to extend their payment terms up to 120 days while ensuring their suppliers receive early payments. Harbor acts as a purchasing intermediary; a buyer sends a purchase order to Harbor, which then issues a corresponding purchase order to the supplier. Upon proof of delivery, Harbor pays the supplier's invoice immediately and issues its own invoice to the buyer with the extended payment terms. This structure is designed to inject liquidity into the supply chain and improve vendor management, primarily targeting small and medium-sized enterprises (SMEs) that are often underserved by traditional finance providers.

Harbor serves a global client base, facilitating trade both domestically and internationally with a presence in Miami, Los Angeles, New York, Hong Kong, the Netherlands, Germany, and Mumbai. The firm's offerings cater to both buyers and suppliers. For buyers, the key benefits are improved days payable outstanding and the ability to support their global supplier base without straining their own liquidity. For suppliers, the platform provides a way to accelerate receivables and unlock working capital tied up in unpaid invoices. The company makes money through its financing programs and manages risk via a thorough credit underwriting process that assesses the buyer's ability to service debt based on historical financials.

In addition to its core SCF services, Harbor has developed HarborMRKT, a trade finance origination and distribution platform. This marketplace allows a diverse group of investors—including credit funds, banks, and DeFi protocols—to access and participate in trade finance deals based on their specific criteria, such as deal structure, jurisdiction, and risk profile. The company also utilizes technology to streamline client onboarding, leveraging data aggregation to expedite risk assessment and account approvals for services like non-recourse export factoring.

Keywords: supply chain finance, working capital solutions, trade finance, SME financing, international trade, fintech, buyer-driven finance, receivable financing, trade credit, HarborTrade platform, cash conversion cycle, import finance, export factoring, vendor management, procurement management, digital trade solutions, HarborMRKT, trade finance distribution, asset origination, cross-border payments