GOOD
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
2,670
2010–2026
Total Volume
$3.0B
Gross loan amounts
States Active
46
With recorded loans
Programs
7(a) & 504
2670 total segments
Harvest Small Business Finance primarily serves existing businesses, with 83% of their deals focused on this segment. This is beneficial for established companies looking to expand or refinance.
With an average 7(a) spread of P+2.49%, Harvest offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest for borrowers.
Although Harvest has a minimal 504 presence (4% of total deals), their strong focus on 7(a) loans indicates they are well-suited for borrowers seeking working capital or financing for existing businesses rather than real estate.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 105 504 loans, which use fixed SBA debenture rates.
Top 15 of 46 states where Harvest Small Business Finance, 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
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Specialty Trade Contractors
Construction
Transportation & Warehousing
Transportation & Warehousing
Social Assistance
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Real Estate
Real Estate
+ 7 more
All recorded SBA lending activity for Harvest Small Business Finance, LLC, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Restaurants & Food Service · $1M – $2M | 7(a) | 46 | P+2.50% | $1.4M | Q4 2025 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 44 | P+2.50% | $781K | Q3 2025 |
| California · Specialty Trade Contractors · $500K – $1M | 7(a) | 39 | P+2.50% | $685K | Q3 2025 |
| California · Auto Repair & Maintenance · $1M – $2M | 7(a) | 38 | P+2.38% | $1.3M | Q2 2025 |
| California · Manufacturing · $1M – $2M | 7(a) | 33 | P+2.50% | $1.4M | Q3 2025 |
| California · Auto Repair & Maintenance · $500K – $1M | 7(a) | 32 | P+2.50% | $687K | Q3 2025 |
| California · Manufacturing · $500K – $1M | 7(a) | 29 | P+2.50% | $739K | Q4 2025 |
| California · Transportation & Warehousing · $1M – $2M | 7(a) | 27 | P+2.50% | $1.4M | Q3 2025 |
| California · Manufacturing · $2M – $5M | 7(a) | 26 | P+2.25% | $3.2M | Q2 2024 |
| California · Wholesale Trade · $1M – $2M | 7(a) | 25 | P+2.25% | $1.5M | Q4 2025 |
| California · Specialty Trade Contractors · $1M – $2M | 7(a) | 23 | P+2.25% | $1.4M | Q1 2025 |
| California · Real Estate · $1M – $2M | 7(a) | 23 | P+2.50% | $1.4M | Q3 2023 |
| California · Transportation & Warehousing · $500K – $1M | 7(a) | 22 | P+2.48% | $775K | Q3 2025 |
| California · Nursing & Residential Care · $500K – $1M | 7(a) | 20 | P+2.50% | $737K | Q2 2024 |
| California · Wholesale Trade · $500K – $1M | 7(a) | 19 | P+2.25% | $744K | Q4 2025 |
| California · Wholesale Trade · $2M – $5M | 7(a) | 19 | P+2.50% | $3.3M | Q3 2024 |
| California · Transportation & Warehousing · $2M – $5M | 7(a) | 17 | P+2.25% | $3.0M | Q1 2025 |
| California · Restaurants & Food Service · $350K – $500K | 7(a) | 16 | P+2.63% | $432K | Q4 2025 |
| California · Food & Beverage Stores · $500K – $1M | 7(a) | 15 | P+2.50% | $759K | Q4 2025 |
| California · Restaurants & Food Service · $2M – $5M | 7(a) | 15 | P+2.50% | $2.7M | Q4 2025 |
| California · Real Estate · $500K – $1M | 7(a) | 15 | P+2.00% | $741K | Q1 2025 |
| Georgia · Social Assistance · $500K – $1M | 7(a) | 14 | P+2.75% | $769K | Q3 2025 |
| California · Retail Trade · $2M – $5M | 7(a) | 14 | P+2.50% | $3.1M | Q4 2024 |
| California · Real Estate · $2M – $5M | 7(a) | 13 | P+2.00% | $3.2M | Q3 2023 |
| California · Administrative & Waste Services · $1M – $2M | 7(a) | 12 | P+2.63% | $1.2M | Q4 2025 |
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Real experiences from borrowers who closed SBA loans with Harvest Small Business Finance, LLC.
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