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General, Specialty, and Commercial Trades
Construction companies often scale rapidly through contract wins but face financial friction due to unpredictable cash flow, heavy equipment costs, delayed receivables, and seasonal swings. Many firms rely on personal credit, short-term capital, and limited vendor terms — making them ideal candidates for Harvest’s solutions.
Common Painpoints
• Reliance on personal credit for business loans or leases • High cost of capital due to weak commercial credit profile • Inability to qualify for bonding, insurance, or public contracts • Poor documentation structure for institutional lending • Vendor term limitations and upfront material costs • Cash flow volatility due to long pay cycles and retainage • Limited internal financial processes despite strong revenue
Vision For Success
• EIN-based credit development to reduce personal liability • Compliance alignment to meet contractor and institutional expectations • Vendor and trade credit expansion to support material purchases • Underwriting readiness and bonding qualification support • Debt restructuring to replace short-term or merchant cash advances • Fundability audits to prepare for larger equipment or capital projects
Solutions For
Construction & Contracting
E.I.N.-Based Credit Development
Establish and strengthen your company’s credit profile using your business’s E.I.N. — opening the door to credit accounts, trade terms, and cards that report properly and enhance your creditworthiness.
Cost of Capital Optimization
Identify high-interest instruments, restructure debt where needed, and align your profile to meet bank-grade underwriting expectations.
Corporate Credit Compliance
Many manufacturers miss funding opportunities because of structural gaps — incorrect filings, missing reports, or weak presentation. We make sure you’re institutionally aligned.
Capital Positioning & Fundability Readiness
From fundability audits to lender readiness scorecards, we ensure your next capital request is met with confidence — not red flags.
Institutional Trust Building
We help you present your business with the polish and structure expected by lenders, underwriters, and procurement officers.
Ready for the Next Steps?
Take positive action towards measurable results within your business.
From Reactive to Ready
How a Commercial Contractor Replaced High-Interest Debt and Secured Institutional Credit
A multi-site commercial contractor eliminated merchant debt, removed personal guarantees, and gained pre-approval for institutional capital after building its credit foundation with Harvest.
Resources For Manufacturers
