.svg)
From Bootstrapped to Bankable
How a Home Goods Brand Secured $1M in Pre-Approved Capital Without PGs
Client Overview: Some information may be obfuscated or generalized to preserve client privacy
Despite crossing $4M in annual revenue, H*** H*** S***** C* relied on high-cost, PG-backed capital to survive seasonal growth. With Harvest’s help, the brand built a real business credit identity, secured vendor terms, replaced MCA debt, and became lender-ready for 7-figure inventory and automation investments—all without risking the founder’s personal credit.
Client Profile:
Business Name:
H*** H*** S***** C*
Industry:
Specialty Home Goods (Premium Kitchen Tools & Storage Solutions)
Years In Operation:
5 years
Ownership Structure:
S-Corp (100% founder-owned)
Employee Count:
12
Gross Revenue:
$8.64M
Net Margin:
12%
EBITDA:
Not Provided
Financing Profile:
$100K PG LOC, $150K MCA @ 18–32% APR, 3 high-cost short-term capital products
Challenges Presented:
- All credit tied to personal guarantees and SSN
- Denied SBA loan due to weak credit and high DTI
- Inventory down payments strained cash flow
- Lacked vendor relationships and SOPs for credit access
Key Objectives:
- Replace MCA debt with long-term structured capital
- Add vendor accounts with Net-30 terms
- Build full EIN-based credit profile (D&B + Experian)
- Qualify for $1M inventory + automation funding
Actions That Drove Change
EIN-Based Credit Setup
Activated DUNS, created vendor ecosystem, formalized ownership
Capital Stack Optimization
Replaced MCA with 2-year structured loan @ 10.5%
Procurement Credit Access
Established 5+ vendor accounts to replace upfront costs
Institutional Capital Matching
Prepared lender-ready package, submitted $1M request
Results After 120 Days
PAYDEX 80 + Experian 76 achieved in 90 days
Unlocked lender visibility for inventory model
$150K MCA restructured to 10.5% APR term loan
Freed cash flow for growth, stabilized operations
$180K in PGs removed across 3 active lines
Freed founder from personal risk exposure
Pre-qualified by 2 institutional lenders
Ready for Q4 inventory expansion and automation funding
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
Become A Harvest Client.
See What's NExt
→
Partner With Harvest.
Learn more
→