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Cost of Capital
Reduce the expense of borrowing by aligning your business structure with lender expectations and credit metrics.
As businesses grow, they often find themselves paying more for capital than necessary—not because of poor performance, but because of how they’re positioned on paper. The cost of capital is not just a number—it’s a reflection of trust, structure, and perceived risk. Most business owners never receive formal guidance on how to lower their interest rates, fees, and financing terms, even as their company matures.
Harvest helps qualified companies restructure their internal credit and financial presentation in ways that lenders recognize and reward. Whether you’re applying for a loan, managing revolving credit, or looking to restructure debt, cost of capital optimization ensures your business is not overpaying for access to growth.
Common Painpoints
• Paying high interest rates despite strong cash flow • Reliance on personally guaranteed or high-risk capital • Debt structure that limits flexibility or growth • Misalignment between business structure and lender requirements • Lack of visibility into how lenders perceive the business
Vision For Success
Your business is seen as low-risk, high-trust, and professionally managed. Interest rates are reduced. Terms are longer. You have access to flexible, strategic capital on your own terms—without unnecessary guarantees or inflated costs. You're no longer overpaying for growth.
The Foundation of Cost of Capital Optimization
Interest Rate Reduction Strategy
Lowering your rate starts with improving your risk profile.
We identify risk indicators that inflate your cost of capital and guide you through changes that improve your rate eligibility—before you negotiate.
Debt-to-Income Realignment
Your revenue may be solid, but your ratios might say otherwise.
Restructuring how your obligations show up on paper, helping your business qualify under more favorable DTI thresholds used by commercial lenders.
Credit Line Consolidation or Recasting
Strategic restructuring turns revolving debt into lending leverage.
We help consolidate redundant accounts and restructure existing lines to reduce utilization, improve payment reporting, and boost fundability.
Underwriting Profile Enhancement
Strong financials still need the right presentation.
We audit and align your underwriting package—balance sheets, statements, documentation, and narratives—to match what institutional lenders want to see.
Institutional Relationship Preparation
Lenders are more generous with businesses that play their game.
We position you for long-term bank relationships by structuring internal systems to support transparency, consistency, and lender-grade communication.
Want More Information?
Take positive action towards measurable results within your business.
Click below and learn the next steps for building business credit with Harvest Solutions!
