GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
549
2019–2026
Total Volume
$599M
Gross loan amounts
States Active
22
With recorded loans
Programs
504
549 total segments
Harvest Commercial Capital focuses exclusively on 504 loans, which is a significant advantage for businesses looking for real estate financing, as they have a 100% share in this program compared to the national average of about 18%. This specialization can lead to more tailored services for real estate-heavy projects.
With an average deal size of approximately $1.09 million and a strong focus on existing businesses (91% of deals), Harvest is well-suited for established companies looking to expand or refinance. If you're a startup or seeking a smaller acquisition, this lender may not be the best fit.
Harvest Commercial Capital has shown impressive growth, with a 41% year-over-year increase in deals. This trend indicates a rising demand for their services and suggests that they are becoming a more prominent player in the SBA lending space, which could be beneficial for borrowers seeking reliable financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 549 504 loans, which use fixed SBA debenture rates.
Top 15 of 22 states where HARVEST COMMERCIAL CAPITAL, LLC has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Manufacturing
Manufacturing
Social Assistance
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for HARVEST COMMERCIAL CAPITAL, LLC, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Auto Repair & Maintenance · $500K – $1M | 504 | 19 | — | $714K | Q4 2025 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 18 | — | $741K | Q4 2025 |
| California · Transportation & Warehousing · $1M – $2M | 504 | 14 | — | $1.5M | Q4 2025 |
| California · Wholesale Trade · $2M – $5M | 504 | 11 | — | $2.8M | Q1 2025 |
| California · Specialty Trade Contractors · $500K – $1M | 504 | 11 | — | $726K | Q3 2025 |
| California · Restaurants & Food Service · $1M – $2M | 504 | 9 | — | $1.3M | Q4 2025 |
| California · Wholesale Trade · $500K – $1M | 504 | 9 | — | $764K | Q1 2025 |
| California · Wholesale Trade · $1M – $2M | 504 | 9 | — | $1.6M | Q2 2025 |
| California · Manufacturing · $2M – $5M | 504 | 8 | — | $3.2M | Q3 2025 |
| California · Manufacturing · $1M – $2M | 504 | 8 | — | $1.4M | Q3 2025 |
| California · Auto Repair & Maintenance · $350K – $500K | 504 | 8 | — | $389K | Q4 2025 |
| California · Auto Repair & Maintenance · $1M – $2M | 504 | 8 | — | $1.3M | Q2 2025 |
| California · Miscellaneous Retail · $1M – $2M | 504 | 7 | — | $1.4M | Q3 2025 |
| California · Specialty Trade Contractors · $1M – $2M | 504 | 7 | — | $1.4M | Q1 2025 |
| California · Arts, Entertainment & Recreation · $500K – $1M | 504 | 7 | — | $866K | Q3 2025 |
| California · Social Assistance · $500K – $1M | 504 | 7 | — | $615K | Q1 2025 |
| California · Other Health Practitioners · $500K – $1M | 504 | 6 | — | $700K | Q4 2025 |
| California · Education · $500K – $1M | 504 | 6 | — | $766K | Q2 2025 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 6 | — | $626K | Q3 2025 |
| California · Restaurants & Food Service · $150K – $350K | 504 | 6 | — | $272K | Q2 2024 |
| California · Manufacturing · $500K – $1M | 504 | 6 | — | $748K | Q3 2025 |
| California · Wholesale Trade · $350K – $500K | 504 | 6 | — | $429K | Q3 2025 |
| California · Transportation & Warehousing · $350K – $500K | 504 | 5 | — | $410K | Q3 2025 |
| California · Other Repair & Services · $500K – $1M | 504 | 5 | — | $829K | Q2 2025 |
| California · Physician & Dental Offices · $1M – $2M | 504 | 5 | — | $1.7M | Q4 2025 |
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Real experiences from borrowers who closed SBA loans with HARVEST COMMERCIAL CAPITAL, LLC.
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