menu

Manufacturing & Fabrication

Contract, Custom, Component, and Assembly

Specialty manufacturers are the backbone of industrial supply chains, yet they’re often underserved by traditional financial institutions. While the business may be growing steadily, the capital structure, credit framework, and internal documentation often lag behind — limiting access to institutional-grade funding and favorable credit terms. ‍ We help manufacturers transition from “small business” posture to institutional readiness — ensuring your company can access credit, reduce capital costs, and present itself with financial credibility.

Common Painpoints

• Reliance on personal credit for business purchases • No formal business credit history or vendor terms • High-interest loans with limited qualification options • Disorganized financial documentation or reporting gaps • Weak visibility with bureaus like Dun & Bradstreet and Experian

Vision For Success

• Business credit profile with active trade lines under the E.I.N. • Vendor and material suppliers offering extended payment terms • Institutional lenders offering better terms — without a PG • Clean, lender-ready documentation and financials • Increased borrowing power with reduced personal risk

>60%
Small-to-mid-sized manufacturing businesses report using the owner's personal credit to secure business financing
U.S. Federal Reserve Small Business Credit Survey
>45%
Private manufacturing companies with no established file with Dun & Bradstreet or Experian Business.
– Experian Commercial Credit Reports (Internal Aggregated Data)
>38%
In manufacturing, over 38% of cash flow constraints stem from limited access to vendor terms or delayed receivables, leading businesses to borrow short-term at higher rates.
– JPMorgan Chase Institute
<33%
Less than 1 in 3 manufacturers with under $25M in annual revenue are “underwriting ready,” according to basic institutional standards.
– National Association of Manufacturers (NAM)

Solutions For 

Manufacturing & Fabrication

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.
Breaking the Barrier to Federal Contracts

How a Precision Aerospace Manufacturer Secured $250K Without Personal Guarantees

Manufacturing & Fabrication
Precision aerospace manufacturer secures $250K in no-PG working capital and contract renewal by overhauling its credit profile and capital structure.

Resources For Manufacturers

Commercial Contracting
Fleet Expansion - 27% Increase in Revenue in <6 Months
Read More
Commercial Contracting
Fleet Expansion - 27% Increase in Revenue in <6 Months
Read More

Frequently Asked Questions

Become A Harvest Client.

See What's NExt

Partner With Harvest.

Learn more