FinovateFall 2026 / On Time Harvest
Demo video will be available soon.
Presenter Profile:
How they describe themselves: On Time Harvest is a BIPOC-led financial management SaaS and mobile-responsive platform built for banks, credit unions, and community financial institutions. It combines predictive cash-flow visibility, discretionary income forecasting, behavioral insights, and financial education to deepen customer and member engagement, strengthen lending readiness, support product adoption, and help institutions identify signs of financial instability earlier while advancing financial inclusion.
How they describe their product/innovation: On Time Harvest is a financial management SaaS and mobile responsive platform designed for banks and credit unions to strengthen customer and member engagement through predictive cash-flow analysis, discretionary income forecasting, financial literacy, and lending readiness. Its predictive capabilities help institutions identify early signs of financial instability and assess borrower preparedness, while AI-powered insights, behavioral analysis, and education support informed decision-making and responsible access to financial products and services.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), Through financial institutions, Licensed
Credit Union/Community Bank Fit: Credit unions and community banks.
Contacts:
Bus. Dev.: Estado Outlaw (CFO & Co-Founder), [email protected], 301-751-5912
Press: Chanel Outlaw (CEO & Co-Founder), [email protected], 301-751-4162
Website: ontimeharvest.com
LinkedIn: linkedin.com/company/ontimeharvest
HQ: Waldorf, MD, USA
Founded: April 2025
Product Demoed: On Time Harvest by Merging Finances/ Predictive Cash-Flow & Lending Readiness Tool
Metrics: Total capital: Approximately $90,000 founder-funded to date; $0 external equity investment raised. On Time Harvest is self-funded, actively pursuing seed funding through grants, loans, accelerator funding, and mission-aligned venture capital. Revenue: modest to date, generated primarily through financial coaching, curriculum, and education-related activity, with SaaS revenue expected to grow through bank and credit union adoption, institutional pilots, strategic partnerships, and platform licensing. Headcount: lean founding team led by Chanel M. Outlaw and Estado M. Outlaw, supported by a CTO/CISO employee, contract developers, and strategic advisors as we scale institutional readiness.
Raising Capital: Seed
Presenters: Chanel Outlaw, CEO & Co-Founder, On Time Harvest | Estado Outlaw, CFO & Co-Founder, On Time Harvest
- Key Executives
Chanel Outlaw (CEO & Co-Founder), Estado Outlaw (CFO & Co-Founder)
Key Stats
- Key Board Members
Chanel Outlaw (CEO & Co-Founder), Estado Outlaw (CFO & Co-Founder)
- Key Investors
Chanel Outlaw (CEO & Co-Founder) & Estado Outlaw (CFO & Co-Founder). No external or institutional investors to date; the company has been fully founder-funded.
- Key Advisory Board Members
No formal advisory board members have been appointed at this time. On Time Harvest is currently supported by its executive team, CTO/CISO, contract developers, legal counsel, and strategic industry advisors as the company prepares for institutional growth and broader market expansion.
- Key Partners
Key partners include the College of Southern Maryland via an educational contract and the Maryland Department of Juvenile Services through financial literacy pilot discussions. We are developing relationships with banks, credit unions, nonprofit lenders, and public-sector partners to advance lending readiness and On Time Harvest adoption. We are also engaging sports agents, NIL agencies, and financial advisors seeking referral solutions for clients needing simplified financial management tools.
- Key Customers
Key customers include the College of Southern Maryland through an educational contract and early users engaged through financial coaching and education services. On Time Harvest’s primary institutional customers are banks and credit unions seeking stronger engagement, lending readiness, cash-flow insights, and early risk awareness. Additional customers include sports agents, NIL agencies, financial advisors, nonprofit lenders, schools, and public-sector partners.