HCCF-2 Bond - Harbor City Capital




Harbor City discovered a high-yield, niche investment opportunity hidden in the $200 Billion internet advertising sector - providing bridge funding for high-ROI online lead generation campaigns.

These campaigns consistently generate 20%-45% ROI in 90-days or less. We provide the funding to cover the 30-90 day gap between when the campaigns generate the leads and when they get paid for the leads.

The funding is provided as a line of credit that is guaranteed by a UCC-1 filed lien against accounts receivables and purchase orders as collateral. This mitigates our risk of capital loss by providing us a secure position with guaranteed repayment, and allows us to safely earn 2-3% every 30 days for providing the campaign funding.

Harbor City Capital is scaling its campaign funding capacity via HCCF-2 LLC by issuing $1 Million in secured 2-year bonds that pay 1.5% each month in current interest income to bond holders with full return of principal at maturity. Our collateralized guarantee when funding the campaigns provides investors a safe way to earn 18% annual yield with monthly cashflow.

The par value of each bond is $1,000 with a minimum investment of $50,000, and is available only to accredited investors. The bonds are issued via HCCF-2 LLC, a special funding vehicle managed by Harbor City Capital Corp. The campaigns are executed by Harbor City Digital Ventures, Inc.


JP Maroney, CEO
JP Maroney is an American entrepreneur and investor with more than 25-years experience starting, building, buying, and selling companies in publishing, media, advertising, software, ecommerce, training, real estate, and consulting.

After more than a decade building digital-based businesses, JP Maroney founded Harbor City Capital Management, an alternative investment firm specializing in lead data arbitrage within the $200B Internet advertising sector. Since inception in 2013, the firm has generated double-digit annual returns for investors.

A recognized business growth and marketing industry leader, JP Maroney also serves as advisor or board member with several other companies. Current and past clients include: Wells Fargo, Century21, Precision AutoTune, The Maids, Metric Property Management / BlackRock, National Apartment Association, Independent Bankers Association of Texas, Texas Association of Business, Texas Credit Union League, and numerous other franchises, corporations, and trade associations.

Michael Hadzipanajotis, CFO
Michael Hadzipanajotis is an accomplished Senior Executive/ CFO and CPA with more than 15 years of success in the banking, financial services, and accounting industries. Leveraging extensive experience with auditing and accounting, His broad areas of expertise include accounting, expansion, marketing, process improvement, IT, finance, financial analysis, banking, risk management, investments, and internal controls.

Throughout his executive career, Michael has held leadership positions with Santander Bank, N.A.; MIT Federal Credit Union; Radius Bank; The Bank of New York Mellon Corporation, and Rockland Trust. He has overseen management of $6B private banking, $150M investment, $250M residential mortgage, and $1.5B commercial lending portfolios.

Michael holds an MBA from Auburn University, College of Business and a BS, Accountancy from Bentley University. He is a Certified Public Accountant by the Commonwealth of Massachusetts.

John McLean, Jr., SVP Operations

For over 35 years John McLean has served as a consultant or corporate officer leading domestic and international operations. He has managed corporate intellectual property for firms and has been issued patents for his inventions.

John has worked as a consultant to major oil companies, aerospace and other Fortune 500 companies along with extensive work with NASA, Navy and Army including municipal, state and Federal agencies. Many of these projects involved process improvement or innovative solutions to problems.

He earned a BBA in Finance from Baylor University and BS in Civil Engineering from Texas A&M University including post graduate work in environmental engineering. John is a registered Professional Engineer and has a Lean/Six Sigma Black Belt. Additionally he holds certification in American Petroleum Institute‚Äôs Q1 Specification for quality improvement. 

"When it comes to helping advertisers reach consumers and get new customers, Harbor City may have come up with the perfect formula that gets growing companies the buyer leads they want while also generating healthy gains for HC's investors." -- Entrepreneur Magazine

Elevator Pitch: Harbor City Capital via HCCF-2, LLC provides funding for digital media campaigns, secured by real assets, including accounts receivables and purchase orders.

Market Size: $200 Billion

Industry: Internet Advertising / Digital Marketing Assets

Investment Opportunity: $1M

Use of Proceeds: Loans to fund digital advertising campaigns in the lead generation industry

Notable Traction

  • $164 Million demand-side customer order pipeline
  • Large, growing and accessible market opportunity
  • 20+ growth sectors penetrated
  • 20-45% margins
  • 4x+ per year turn of capital


  • Safe, passive investment with 1.5% monthly income
  • Healthy 18% per year fixed rate of return
  • Short, 2-year investment period
  • Investment principal and interest secured by collateralized real assets with UCC-1 filing
  • Top performing growth sector
  • Demand far exceeds supply and is growing
  • Recession resistant market
  • Diversification across multiple verticals

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