HARRIS

Financing Solutions

Financing Solutions

If capital is the engine that drives business growth, Harris is the engineer that keeps your capital strategy on track. Whether you need financing for working capital, liquidity support, growth or acquisition, our experienced professionals help you:
• Maintain balance sheet flexibility;
• Determine the capital strategy and structure that best fits your needs;
• Control the costs of debt and taxes;1
• Manage interest rate and foreign exchange risks;
• Take advantage of global economic and industry trends.

Harris' broad array of products and services include:
• Business Loans and Lines of Credit. Businesses require these products for working capital, equipment acquisition, commercial real estate, construction and other purposes. Companies benefit from competitive interest rates and diverse credit products with varying amounts, terms, structures and pricing.
• Commercial Mortgages. As real estate assets mature, companies can raise capital — sometimes without paying capital gains taxes — by unlocking the equity in these assets. Terms may include fixed or floating rates, forward loan commitments, rate locks and level payment structures.
• Leasing. Leasing of equipment and/or real estate may offer a number of potential tax benefits. It may also improve cash flow by reducing or eliminating up-front cash investments.
• Industrial Revenue Bonds. These municipal, tax-exempt bonds enable manufacturers to raise capital to invest in equipment or facilities. Harris arranges the sale of these bonds and issues Harris letters of credit that help reduce total borrowing costs.
• Succession/Transition Financing. Harris has served the needs of privately held companies for nearly 100 years and can customize solutions to facilitate the purchase or sale of your business.
• Tax-exempt Bonds. Units of government, educational institutions and not-for-profit organizations can raise capital to expand or renovate facilities by issuing tax-exempt bonds. Harris arranges the sale of these bonds and issues Harris letters of credit that help reduce total borrowing costs.
• Asset-based Lending. Manufacturers, distributors and service companies can raise capital beyond their traditional bank lines by borrowing against their existing accounts receivable, inventory, machinery, equipment and real estate, as well as against their cash flow and earnings.
• Interest Rate Risk Management. The Harris organization offers the following interest rate risk management products and services;


–Fixed Income Derivatives.


–Interest Rate Swaps/Swaptions.


–Interest Rate Options.


–Caps, Floors.

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