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Harrison Financial Group offers judgment recovery solutions, business financing, credit repair, and small business lending services based in New York.
Data compiled from public sources
Harrison Financial Group is a financial services company operating from New York (212-381-6122) that positions itself as a multi-solution provider for both personal and business financial challenges. The company's website indicates it was founded with a mission to 'level out our clients' uneven playing field,' though specific founding details are incomplete on their site.
The company advertises four primary service areas: Judgment Recovery Solutions for civil case awards and debt collection, Business Financing with emphasis on fast and easy small business loan processes, Business Credit solutions tailored to specific business needs, and Credit Score Improvement services. They also mention debt repayment solutions and financial freedom positioning. The website content is heavily oriented toward business clients, with substantial focus on small business financing and judgment recovery.
Harrison Financial Group distinguishes itself through a multi-service approach combining judgment recovery experience context with small business lending. Their positioning emphasizes speed ('Fast & Easy Process'), customization ('well-tailored financing solution'), and accessibility through a simple consultation booking system. The company targets both individual consumers with credit/debt issues and small business owners seeking financing alternatives.
A significant limitation is that the website provides minimal substantive detail about loan terms, rates, approval timelines, or specific service offerings. The site lacks listed pricing, credential verification, regulatory compliance information, or detailed service explanations. The company appears to operate primarily through direct consultation rather than self-service platforms. Given the broad service claims without supporting detail, consumers should conduct thorough due diligence before engagement.
This is state-level context for Business Loans consumers in New York, NY. It does not confirm that Harrison Financial Group or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Status: Permitted
Rate context: 16% civil usury cap; licensed lenders may negotiate rates for certain loan types
Personal loans from licensed lenders are permitted. Unlicensed lenders are subject to the 16% civil usury cap unless a specific exemption applies. Rates above 16% are civil usury; rates above 25% are criminal usury.
Status: Permitted
Rate context: 16% civil usury cap for unlicensed lenders; licensed lenders may negotiate rates under Banking Law
Installment loans are legal in New York. Licensed lenders have greater flexibility in rate negotiation; unlicensed lenders are subject to the 16% civil usury cap. Consumer Protection Act (Gen. Bus. Law Article 22-A) requires clear disclosure of all terms.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Harrison Financial Group offers 8 services including Judgment recovery solutions for civil case awards, Small business financing and business loans, Business credit building and improvement, Personal credit score improvement services, Debt repayment solutions, and 3 more.
Harrison Financial Group has profile signals associated with Small business owners seeking customized financing solutions and business credit improvement, Individuals with civil court judgments requiring listed recovery assistance, Consumers wanting multi-service financial solutions from a single provider.
Key strengths: Multi-service platform covering judgment recovery, business loans, credit improvement, and business credit in one company; Local New York presence with direct phone contact (212-381-6122) for consultation; Emphasizes fast and easy processes for small business loan approval. Areas to consider: Website provides no specific information about loan terms, interest rates, fees, or APR; Lacks transparency on approval timelines, funding speed, or loan amounts available.
In the Business Loans category, comparable providers include Blursoft - Working Capital Solutions USA, Card Payment Systems, CDVCA. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Harrison Financial Group is positioned as a multi-service business lending and judgment recovery firm best suited for small business owners and individuals with specific judgment collection needs. The primary caveat is that the company's website lacks critical transparency on rates, terms, credentials, and process details—making comparable public verification context of legitimacy and service quality essential before engagement.
Blursoft is a marketplace connecting small business owners and contractors with lending partners offering merchant cash advances, equipment financing, and short-term loans designed for borrowers with bad or no credit.
Profile signals: Contractors and self-employed workers with inconsistent income or no credit history, Small businesses in cash flow crises needing rapid access to capital
Card Payment Systems is a New York-based merchant services provider offering credit/debit card processing, POS systems, and merchant cash advances to businesses since 1988.
Profile signals: New York-area merchants seeking integrated card processing and POS solutions, Businesses with high-risk profiles that need listed payment processing
Trade association and network for community development venture capital funds providing equity financing to businesses in low-income communities.
Profile signals: Entrepreneurs in low-income communities seeking equity financing and business building support, Small business owners in economically distressed regions looking for flexible capital
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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