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Institutional Capital Access
Positioning for Bank & Institutional Funding
We help you become eligible for bank and institutional capital by strengthening your credit file, organizing your financials, and preparing your business for underwriting review.
Common Painpoints
Denied by banks despite revenue
Weak or missing business credit file
Inconsistent financial reporting
Personally guaranteed debt across all accounts
Missing or outdated compliance documentation
Vision For Success
Gain long-term funding from institutional sources
57%
57% of small business owners rely on personal credit cards for business purchases
— Nav, 2023
85%
85% of small businesses are unaware they even have a business credit score.
— Manta, 2022
2-5x
Businesses with strong commercial credit can qualify for 2–5x higher capital limits than those without
— Dun & Bradstreet, 2023
90%
On average, companies with three or more tradelines have 90% greater funding visibility
— Dun & Bradstreet, 2023
The Foundation of
Institutional Capital Access
Credit Profile Alignment
Build and optimize your D&B, Experian, and Equifax business credit files to meet institutional thresholds.
Financial Documentation Structuring
Ensure your balance sheets, P&Ls, and cash flow statements align with bank underwriting requirements.
Compliance & Reporting Standards
Correct UCC filings, sync business credentials, and update registrations for funding readiness.
Pre-Bank Qualification Process
Complete internal reviews to assess and improve lender readiness before approaching institutions.
Presentation for Lenders
Deliver professional-grade lender packages with full credit, financial, and compliance summaries.
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!
Frequently Asked Questions
How quickly can we become eligible for fleet financing or capital?
What if we run multiple trucks under one company — does each unit need separate credit?
Will working with Harvest affect our DOT or FMCSA standing?
Can you help if our business has taken out short-term or MCA loans?
We already have a fuel card — why would we need business credit?
How does business credit apply to a trucking or logistics company?
What kind of credit can my logistics company get without a personal guarantee?
What’s the biggest mistake franchisees make with business credit?
Can Harvest help with SBA loans or other government-backed financing?
How can Harvest help with multi-unit expansion?
Our franchise brand already offers funding options — why use Harvest?
Will I need to change how I report my finances?
If we operate under a national brand, why do we need business credit?
What type of credit can franchisees qualify for?
Can franchisees get funding without using personal credit?
How does EIN-based credit benefit contractors with crews or trucks?
How long does it take to build credit as a contractor?
Can this help us win larger contracts or RFPs?
What if our company is small or family-owned — do we still qualify?
We already have equipment loans — how can Harvest help?
What kind of business credit can a service company qualify for?
Our clients pay net-30 or net-60 — how can business credit help?
What platforms does this apply to? (Amazon, Shopify, etc.)
Can this help me prepare for peak sales seasons or supplier delays?
What if my business is new or still scaling?
Why does an e-commerce business need business credit?
What kind of financing is available for inventory-based e-com?
How quickly can we get financing using only the business credit file?
Does my online business need a physical presence to build credit?
Can I qualify for credit even if I’ve been using personal cards?
Can this help us qualify for larger contracts or supplier deals?
What kind of loans or credit types are available to wholesalers?
What if my vendors already give me terms — what’s the benefit?
Our growth is limited by how much inventory we can afford — can you help?
Can I use business credit to purchase inventory from manufacturers?
Why does a distributor need business credit if clients already pay net terms?
How does this affect our ability to take insurance or qualify for programs?
How quickly can we become lender-ready using only the EIN?
Is personal credit required for medical practice financing?
What types of practices benefit most from this?
Will this help us with equipment leasing or upgrades?
We already have revenue and a practice loan — do we still qualify?
Why would a medical or dental practice need business credit?
What kind of services do you offer for multi-partner practices?
Is this relevant for boutique or solo firms?
Will this help our firm become more attractive to clients or buyers?
We’ve already secured a small business loan. What now?
How does this apply to firms that don’t carry inventory or hard assets?
We’re a small partnership with good cash flow. Why pursue financing?
Why would a professional services firm need business credit?
We’re already profitable. What would this do for us?
We have unpredictable cash flow. Can this help stabilize things?
Does this apply to small, family-owned contracting businesses?
Will this help with bonding or insurance?
What if we already have vendor accounts and trade credit?
How does this affect our ability to win larger jobs?
Why should a construction business invest in building business credit?
We have unpredictable cash flow. Can this help stabilize things?
Does this apply to small, family-owned contracting businesses?
We’re already profitable. What would this do for us?
Will this help with bonding or insurance?
What if we already have vendor accounts and trade credit?
Why should a construction business invest in building business credit?
How does this affect our ability to win larger jobs?
Will this aid in securing SBA or government-backed funding?
Do I need to have perfect credit to qualify for institutional funding?
How long does the institutional funding process take?
What kind of documentation will I need to prepare?
How is institutional funding different from traditional small business loans?
Does this involve refinancing or consolidating my loans?
What qualifies as “institutional funding”?
Is this only relevant if I’m actively applying for a loan?
How long does it take to see results?
What kind of businesses benefit the most from this solution?
Can my cost of capital really be reduced without refinancing everything?
How do I know if I’m overpaying for credit or capital?
Can I remove myself from existing accounts that require a personal guarantee?
Is this the same as credit repair?
What does “cost of capital” actually mean for my business?
What bureaus track my business credit?
What is E.I.N.-based credit, and how is it different from personal credit?
How long does it take to build business credit?
Can I build business credit if my personal credit is poor?
Why is business credit important if I already qualify for funding personally?
Does my business already have a credit score?
What is the Harvest Solutions Payment & Fulfillment policy?
How long does it take to see results?
What does “EIN-based credit” mean?
Is there an application process?
Do we need to change our accounting software or systems?
What makes Harvest different from other business credit providers?
What types of businesses benefit most from Harvest?
Will Harvest help me get a business loan?
Do I need good personal credit to work with Harvest?
Is Harvest a credit repair company?
Who is eligible to work with Harvest?
What does Harvest Business Solutions do?
Will This Improve our valuation or exit position?
We've been operating for years - do we still qualify?
How does this help with material and supplier terms?
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