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Breaking the Barrier to Federal Contracts
How a Precision Aerospace Manufacturer Secured $250K Without Personal Guarantees
Client Overview: Some information may be obfuscated or generalized to preserve client privacy
A 12-year-old aerospace component manufacturer overcame financial red flags and weak business credit to renew critical defense contracts, unlock $250K in working capital, and cut cost of capital by nearly 40%. With Harvest’s guidance, they transitioned to a fully EIN-based credit profile, eliminated personal guarantees, and established vendor terms that freed up $95K/month in cash flow.
Client Profile:
Business Name:
T*** A***M********
Industry:
Precision Metal Components for Aerospace
Years In Operation:
12 years
Ownership Structure:
Privately Held, Single Owner (50%), Two Strategic Partners (25% each)
Employee Count:
38
Gross Revenue:
$8.64M
Net Margin:
9%
EBITDA:
$950,000
Financing Profile:
SBA Equipment Loan ($280k remaining), Business LOC ($150k), All PG'd by Owner
Challenges Presented:
- Declined for expansion loan due to weak business credit profile
- Lenders relied on owner’s personal credit for all offers
- Multiple vendors require up-front payments despite long project timelines
- Rising cost of capital slowing growth opportunities
Key Objectives:
- Remove personal liability on future capital needs
- Expand working capital via vendor terms and new lines of credit
- Improve financial profile for Department of Defense contract renewals
- Increase long-term enterprise value for eventual acquisition
Actions That Drove Change
Business Credit Identity Activation
Established standalone EIN-based credit profile via bureau optimization and trade lines
No-PG Credit Access Strategy
Replaced high-interest, PG'd credit lines with EIN-only products at lower rates
Lender & Contract Readiness Profile
Cleaned up financials to align with lender and procurement standards
Operational Vendor Terms
Secured 60-day terms with suppliers, unlocking $95K in monthly cash
Results After 120 Days
Contract renewal approved with no financial red flags
Defense contract was renewed after financial risk markers were eliminated
$250,000 in new working capital secured with no personal guarantee
New capital injection enabled faster project mobilization and reduced liability
Business credit file activated across three bureaus in 60 days
Company gained EIN-based credit visibility across D&B, Experian, and Equifax
Cost of capital reduced by 39.6% across all financing tools
Average interest rates dropped from 11.99% to 7.25% on all debt instruments
Resources For Manufacturers
Commercial Contracting
Fleet Expansion - 27% Increase in Revenue in <6 Months
Commercial Contracting
Fleet Expansion - 27% Increase in Revenue in <6 Months
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