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Flipping the Script on Funding
How a Property Services Firm Replaced MCA Debt and Gained $250K With No PG
Client Overview: Some information may be obfuscated or generalized to preserve client privacy
G*****E**** P******* S***** had the clients and contracts but was buried under short-term debt and personal guarantees. Harvest helped restructure their capital stack, build a real business credit profile, clear UCC issues, and secure $250K in non-PG financing to expand their fleet and service routes.
Client Profile:
Business Name:
G*****E**** P******* S*****
Industry:
Exterior Facilities Maintenance (Landscaping, Snow Removal, Parking Lot Cleaning)
Years In Operation:
7 years
Ownership Structure:
S-Corporation, single majority owner with two operational partners (non-equity)
Employee Count:
29
Gross Revenue:
$8.64M
Net Margin:
11%
EBITDA:
Not Provided
Financing Profile:
$240K MCA stack @ ~38% APR, $50K PG card, declined SBA + equipment loans due to weak credit
Challenges Presented:
- Owner personally guaranteed all existing debt
- Declined for equipment loan due to UCC and credit file issues
- Vendor prepay requirements strained cash during peak seasons
- No EIN credit visibility despite 7-figure revenue
Key Objectives:
- Remove PGs from future credit lines and equipment leases
- Refinance stacked debt with long-term structured facility
- Build business credit with D&B, Experian, and trade vendors
- Add vendor terms to reduce out-of-pocket supply costs
Actions That Drove Change
EIN Credit Activation
Created and validated identity, opened vendor trade lines
Debt Consolidation & Capital Optimization
Refinanced $240K MCA into 2-year term loan at 10.5%
Compliance & UCC Cleanup
Updated ownership filings and cleared 3 UCCs
Credit Access Preparation
Pre-qualified for $250K fleet expansion line with no PG
Results After 120 Days
PAYDEX and Experian scores hit 80 / 76
Business became fundable for 6-figure equipment lines
$240K MCA stack replaced with structured 10.5% APR loan
Freed $9K+ in monthly cash flow
PG removed across all financing lines
Owner no longer personally liable for business growth funding
Pre-qualified for $250K equipment + growth line
Company can now expand fleet and handle seasonal demand
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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