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Scaling Without Strings
How a Cloud Infrastructure Firm Secured $500K Without Personal Guarantees
Client Overview: Some information may be obfuscated or generalized to preserve client privacy
S******N** I*****************, a 6-year-old cloud services firm, struggled to access growth capital due to weak business credit and personally guaranteed debt. With Harvest’s help, the company created a full EIN-based credit profile, replaced high-interest merchant financing, removed all personal guarantees, and secured institutional credit—unlocking new expansion and compliance capabilities.
Client Profile:
Business Name:
S******N** I*****************
Industry:
Cloud Infrastructure Management & Data Security Solutions for Mid-Market Enterprises
Years In Operation:
6 years
Ownership Structure:
S-Corp – Two Co-Founders (65% and 35% equity split)
Employee Count:
22
Gross Revenue:
$8.64M
Net Margin:
12%
EBITDA:
$516,000
Financing Profile:
$175K MCA @ 34.2% APR, $85K PG Credit Card @ 18.99%
Challenges Presented:
- All credit lines tied to personal guarantees
- Denied for institutional loan due to no business credit history
- High-interest debt restricted cash flow and expansion
- Couldn’t meet compliance for enterprise contract onboarding
Key Objectives:
- Separate founder credit from business debt
- Establish full EIN-based credit file with bureaus
- Consolidate high-interest MCA and PG card
- Secure $500K+ in institutional funding for expansion
Actions That Drove Change
EIN-Based Credit Foundation
Opened 7 EIN-only trade lines and structured credit identity
Cost of Capital Optimization
Replaced MCA and credit card with two lower-APR term loans
Corporate Compliance Sync
Cleaned D&B file, aligned NAP/EIN/domain and removed UCCs
Capital Access Introduction
Linked to fintech lenders serving SaaS/infrastructure firms
Results After 120 Days
D&B and Experian scores increased to 80/76
Enabled contract readiness for government/enterprise deals
Blended APR reduced from 24.6% to 10.2%
Monthly debt costs nearly halved for reallocation to growth
$250K revolving line with no personal guarantee
Expanded access to institutional capital without founder risk
Pre-qualified for 3 institutional lenders in under 6 months
Opened door to strategic investment and second data center
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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