Lender · SBA 7(a) record
Harvest Small Business Finance, LLC
CA · lends in 46 states · 2,464 SBA loans since 2010, 1,415 in the last five years.
How fast they approve. Harvest Small Business Finance, LLC made 98% of its recent SBA 7(a) loans under Preferred Lender (PLP) authority — it can approve them in-house without sending your file to the SBA to re-underwrite, which is the biggest single driver of how fast a loan closes. Why approval speed comes down to the lender.
What stands out about Harvest Small Business Finance, LLC
vs every other SBA lenderHarvest Small Business Finance, LLC is real-estate-heavy. 92% of its loans are commercial real-estate loans, well above the norm — a good sign if that is your deal.
It leans into one industry. 11% of Harvest Small Business Finance, LLC's loans go to general automotive repair — roughly 2× the share you would expect, so it clearly knows that business.
Harvest Small Business Finance, LLC writes big loans. Its median loan is $748k — against about $347k for the typical SBA lender. This is a lender for sizeable deals, not small working-capital requests.
This read is built from 1,415 funded 7(a) loans over the last five fiscal years.
Will they talk to you?
loan sizes fundedEffectively nothing under $150,000 in five years. If you need a smaller loan this lender is a dead end, and knowing that now saves you three weeks.
Do they fund businesses like yours?
last 5 yearsA lender who already knows your industry asks better questions and closes faster. One who doesn't will treat your file as an education.
Lends conservatively
0.00% charged off against 2.11% across all SBA lending. Clean books usually mean tight credit standards. Good rates if you fit their box, and a quick decline if you don't.
What rate people got
median markup over primeThe median borrower here paid prime + 2.48%. Compare that against what you have been quoted — the markup is the negotiable part, and most borrowers never try.
Their loans, year by year
cumulative % of dollars charged off| Approved | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| 2012 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2017 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · |
| 2018 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.2 | · | · | · |
| 2019 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.7 | · | · | · | · |
| 2020 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · | · |
| 2021 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · |
| 2022 | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · | · |
| 2023 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
| 2024 | 0.0 | · | · | · | · | · | · | · | · | · |
| 2025 | · | · | · | · | · | · | · | · | · | · |
| 2026 | · | · | · | · | · | · | · | · | · | · |
Each row is one year's lending. Read down a column to compare years at the same age — that is the only fair comparison, because losses take three to five years to appear and a fast-growing lender always looks clean on a raw average.
What this page cannot tell you
Federal records show what was approved, not how long it took, how the bank communicated, or whether your loan officer returned calls. Ask any lender directly: are you a preferred lender, how many deals like mine did you close last year, and who underwrites it.
Check your eligibility first → Decode what they say to you →
Lenders worth comparing against this one
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Common questions
Does Harvest Small Business Finance, LLC make SBA startup and acquisition loans?
Yes — its recent SBA 7(a) record includes 1,338 commercial real-estate loans, 50 startups, 44 franchise loans, 30 business acquisitions. If your deal is one of these, it has funded that kind of loan many times before. See how it ranks for your exact deal.
What is the smallest SBA loan Harvest Small Business Finance, LLC will make?
Its practical minimum — the 5th percentile of what it has actually funded — is about $250,000, and the typical (median) Harvest Small Business Finance, LLC loan is $748,000. If your loan is well below its practical minimum, it is unlikely to be interested however strong your file.
What interest rate do Harvest Small Business Finance, LLC SBA borrowers get?
On variable-rate loans, recent Harvest Small Business Finance, LLC borrowers paid a median of prime + 2.48%. The markup over prime is the negotiable part of any SBA quote. Check a rate you have been quoted.
What states does Harvest Small Business Finance, LLC lend in?
Most of Harvest Small Business Finance, LLC's recent SBA lending is concentrated in California, Florida, Texas, among 20 states in total. Compare lenders by state.