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Unlocking Institutional Doors
How a Legal Compliance Firm Ditched PGs and Secured $300K in Growth Capital
Client Overview: Some information may be obfuscated or generalized to preserve client privacy
T*** C**** G****, a 9-year-old environmental legal consulting firm, had strong revenue and margins but lacked a credible credit identity. Denied for institutional financing and burdened by high-interest debt, the firm partnered with Harvest to establish a full business credit file, resolve compliance roadblocks, and secure $300K in non-PG funding—positioning them for future federal contracts and private lender relationships.
Client Profile:
Business Name:
T*** C**** G****
Industry:
Legal Consulting & Regulatory Compliance (Environmental Law & EPA Standards)
Years In Operation:
9 years
Ownership Structure:
LLC – Two founding partners (50/50 ownership)
Employee Count:
19
Gross Revenue:
$8.64M
Net Margin:
18%
EBITDA:
Not provided
Financing Profile:
$100K PG Card @ 17.99%, $80K MCA @ ~30%, $12K SBA loan remaining
Challenges Presented:
- All financing under PGs, blocking scalability
- No D&B file, low Experian/Equifax scores
- High cost of capital, delaying hiring and tech upgrades
- Lost $650K subcontract due to lack of financial readiness
Key Objectives:
- Remove personal guarantees on future credit
- Build full EIN-based business credit profile
- Replace high-interest debt with structured capital
- Secure $300K line for client platform + hiring
Actions That Drove Change
EIN-Based Credit Foundation
Created full credit profile with all major bureaus + trade lines
Cost of Capital Restructure
Replaced MCA with term loan, reduced blended APR
Corporate Compliance Cleanup
Resolved UCC issues, aligned state/federal entity data
Institutional Capital Packaging
Positioned for lender intros with revised financials
Results After 120 Days
80 PAYDEX, 76 Experian
Enabled non-PG lender visibility and institutional credibility
Blended APR dropped from 24.6% to 10.2%
Reduced strain on hiring and investment plans
$75K credit line obtained without PG
Reduced partner exposure and improved leverage
Pre-qualified by 2 private lenders within 92 days
Opened pathway to federal subcontracts and private capital
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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