Harvest Small Business Finance
Non-bank SBA lender for owner-occupied commercial property: 7(a) up to $5M over 25 yrs, 504 up to $10M. Median 7(a) rate 9.5% (Prime-based). Best for buying your building.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Owners occupying at least 51% of an office, industrial or retail building who want a 25-year SBA loan to buy or refinance it.
Not for: Tenants, small unsecured borrowers, or anyone needing money in days.
Lender List verdict: Harvest Small Business Finance is a non-bank SBA lender with 460 7(a) approvals in the year to June 30, 2026. Expect variable pricing near 9.5%; rates, fees and timelines are not published.
Harvest Small Business Finance at a glance
| Harvest Small Business Finance | |
|---|---|
| Lender type | Non-bank SBA lender (SBLC) |
| HQ | Laguna Hills, California |
| Amounts | 7(a) up to $5M; 504 up to $10M first lien |
| Cost (headline) | Median 7(a) rate 9.5%, variable |
| Status | Active SBA lender (June 2026 data) |
What is Harvest Small Business Finance?
Harvest Small Business Finance, LLC is a Laguna Hills, California lender making SBA 7(a) loans since July 2016 under one of 14 SBA licenses open to non-banks. Since FY2020 it has approved 2,315 SBA 7(a) loans worth $2.52B in 46 states, with a median loan of $787,200.
Harvest's SBA programs
Harvest offers SBA 7(a) and 504 loans and was NADCO's Non-Bank 504 Lender of the Year for 2024 through 2026.
- SBA 7(a): up to $5M first lien, 25-year amortization, up to 93% loan-to-value; purchase, refinance or working capital
- SBA 504: up to $10M first lien plus $5.5M second lien, fixed rates available
- 7(a) approvals: 472 ($446.0M) in FY2025; 333 ($360.6M) in FY2026 to June 30
- Preferred Lender (PLP) status: not stated by Harvest
Harvest Small Business Finance rates and fees
Harvest's SBA 7(a) loans carry a median starting rate of 9.5%, nearly all variable, spread unpublished. SBA caps loans over $350K at Prime + 3% (10.0% at the 7.00% Prime set Sep 16, 2026) and loans of $250,001 to $350K at Prime + 4.5% (11.5%).
Worked example: $350,000 over 10 years at 9.5% costs $4,528.91 monthly, $193,469.74 in interest. Add the SBA guaranty fee ($350,000 × 75% × 3% = $7,875) and total cost is $201,344.74, roughly 10.0% APR.
Harvest Small Business Finance requirements
Harvest follows SBA rules and lends only against property you occupy at least 51% (60% if newly built).
| Requirement | Harvest minimum |
|---|---|
| Collateral | First lien on office, industrial or retail property |
| Equity injection | 10% for startups and business purchases (SBA) |
| Personal guarantee | Every owner of 20% or more (SBA) |
| Size standard | SBA small-business size standard |
| Credit score, revenue | Lender does not publish |
Frequently asked questions about Harvest Small Business Finance
Is Harvest Small Business Finance Legit? Yes. Harvest is an SBA-licensed non-bank lender holding California Finance Lenders license 60DBO-52244, lending since 2016. SBA data shows 2,315 7(a) loans since FY2020 with zero charge-offs and three NADCO awards. Harvest Small Business Finance reviews on BBB or Trustpilot are not listed.
How Long Does Harvest Take to Close an SBA Loan? Typically 60 to 90 days for a standard SBA 7(a) loan; Harvest does not publish its own timeline. Every Harvest loan is secured by property, so expect appraisal and title work, and SBA review adds 5 to 10 business days for non-delegated lenders.
Does Harvest Lend to Startups? Rarely: Harvest lends against owner-occupied property, so a startup would typically need to be buying the building it will occupy. SBA rules allow startup loans with 10% equity injected; Harvest publishes no startup policy or minimum time in business.
Does Harvest Only Finance Real Estate? Mostly. Harvest's 7(a) loans take a first lien on owner-occupied office, industrial or retail property, though proceeds can also cover working capital. Sister company Harvest Commercial Capital, LLC makes its 504 and conventional property loans, so unsecured borrowers should look elsewhere.
For smaller or unsecured SBA loans, see Lendistry or iBusiness Funding, or browse SBA 7(a) loans and SBA 504 loans. SBA loan figures: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Owners occupying at least 51% of an office, industrial or retail building who want a 25-year SBA loan to buy or refinance it.
Not for: Tenants, small unsecured borrowers, or anyone needing money in days.
Lender List verdict: Harvest Small Business Finance is a non-bank SBA lender with 460 7(a) approvals in the year to June 30, 2026. Expect variable pricing near 9.5%; rates, fees and timelines are not published.
Harvest Small Business Finance at a glance
| Harvest Small Business Finance | |
|---|---|
| Lender type | Non-bank SBA lender (SBLC) |
| HQ | Laguna Hills, California |
| Amounts | 7(a) up to $5M; 504 up to $10M first lien |
| Cost (headline) | Median 7(a) rate 9.5%, variable |
| Status | Active SBA lender (June 2026 data) |
What is Harvest Small Business Finance?
Harvest Small Business Finance, LLC is a Laguna Hills, California lender making SBA 7(a) loans since July 2016 under one of 14 SBA licenses open to non-banks. Since FY2020 it has approved 2,315 SBA 7(a) loans worth $2.52B in 46 states, with a median loan of $787,200.
Harvest's SBA programs
Harvest offers SBA 7(a) and 504 loans and was NADCO's Non-Bank 504 Lender of the Year for 2024 through 2026.
- SBA 7(a): up to $5M first lien, 25-year amortization, up to 93% loan-to-value; purchase, refinance or working capital
- SBA 504: up to $10M first lien plus $5.5M second lien, fixed rates available
- 7(a) approvals: 472 ($446.0M) in FY2025; 333 ($360.6M) in FY2026 to June 30
- Preferred Lender (PLP) status: not stated by Harvest
Harvest Small Business Finance rates and fees
Harvest's SBA 7(a) loans carry a median starting rate of 9.5%, nearly all variable, spread unpublished. SBA caps loans over $350K at Prime + 3% (10.0% at the 7.00% Prime set Sep 16, 2026) and loans of $250,001 to $350K at Prime + 4.5% (11.5%).
Worked example: $350,000 over 10 years at 9.5% costs $4,528.91 monthly, $193,469.74 in interest. Add the SBA guaranty fee ($350,000 × 75% × 3% = $7,875) and total cost is $201,344.74, roughly 10.0% APR.
Harvest Small Business Finance requirements
Harvest follows SBA rules and lends only against property you occupy at least 51% (60% if newly built).
| Requirement | Harvest minimum |
|---|---|
| Collateral | First lien on office, industrial or retail property |
| Equity injection | 10% for startups and business purchases (SBA) |
| Personal guarantee | Every owner of 20% or more (SBA) |
| Size standard | SBA small-business size standard |
| Credit score, revenue | Lender does not publish |
Frequently asked questions about Harvest Small Business Finance
Is Harvest Small Business Finance Legit? Yes. Harvest is an SBA-licensed non-bank lender holding California Finance Lenders license 60DBO-52244, lending since 2016. SBA data shows 2,315 7(a) loans since FY2020 with zero charge-offs and three NADCO awards. Harvest Small Business Finance reviews on BBB or Trustpilot are not listed.
How Long Does Harvest Take to Close an SBA Loan? Typically 60 to 90 days for a standard SBA 7(a) loan; Harvest does not publish its own timeline. Every Harvest loan is secured by property, so expect appraisal and title work, and SBA review adds 5 to 10 business days for non-delegated lenders.
Does Harvest Lend to Startups? Rarely: Harvest lends against owner-occupied property, so a startup would typically need to be buying the building it will occupy. SBA rules allow startup loans with 10% equity injected; Harvest publishes no startup policy or minimum time in business.
Does Harvest Only Finance Real Estate? Mostly. Harvest's 7(a) loans take a first lien on owner-occupied office, industrial or retail property, though proceeds can also cover working capital. Sister company Harvest Commercial Capital, LLC makes its 504 and conventional property loans, so unsecured borrowers should look elsewhere.
For smaller or unsecured SBA loans, see Lendistry or iBusiness Funding, or browse SBA 7(a) loans and SBA 504 loans. SBA loan figures: SBA 7(a) FOIA data, FY2020–present, as of June 30, 2026 (data.sba.gov).
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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