Lenders › Harvest Small Business Finance, LLC
7(a) lenderLaguna Hills, Californianon-bank 7(a) lender25th of 2,184 by approvals
Harvest Small Business Finance, LLC
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Harvest Small Business Finance, LLC (Laguna Hills, California) is a non-bank 7(a) lender in the SBA 7(a) program, 25th of 2,184 by approvals in FY2021 to FY2025: 1,746 loans worth $1.85bn.
In FY2025, the latest complete fiscal year, it had 472 approvals totalling $446M, up 43% on FY2024 (331). FY2026 to 30 Jun 2026 adds 333 more.
The median approval was $765K, against $190K for the 7(a) program as a whole; 0.6% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 46 states and territories and 368 counties, led by California (41.4%), Florida (8.9%) and Illinois (5.4%). The largest industry group was accommodation and food services at 15.8% of approvals, and 2.8% of approvals were to franchise businesses.
Of 1,049 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (0.4%), 688 as paid in full and 357 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 333 | $361M | $795K | $1.1M | 2,998 |
| FY2025 | 472 | $446M | $720K | $945K | 4,828 |
| FY2024 | 331 | $331M | $680K | $999K | 4,114 |
| FY2023 | 274 | $302M | $800K | $1.1M | 3,487 |
| FY2022 | 237 | $270M | $829K | $1.1M | 3,255 |
| FY2021 | 432 | $502M | $871K | $1.2M | 6,913 |
| FY2020 | 236 | $309M | $850K | $1.3M | 3,401 |
| FY2019 | 144 | $153M | $636K | $1.1M | 2,043 |
| FY2018 | 194 | $266M | $1.0M | $1.4M | 2,278 |
| FY2017 | 111 | $162M | $1.0M | $1.5M | 1,825 |
| FY2016 | 10 | $10.5M | $1.1M | $1.1M | 111 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 695 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | California | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,177 | 79,249 | 639,905 |
| Cancelled or never disbursed | 128 | 10,102 | 79,313 |
| Disbursed loans | 1,049 | 69,147 | 560,592 |
| Paid in full | 688 | 52,688 | 435,813 |
| Charged off | 4 | 4,430 | 36,891 |
| Still outstanding (status exempt from disclosure) | 357 | 12,029 | 87,888 |
| Charged off, share of disbursed loans | 0.4% | 6.4% | 6.6% |
| Dollars charged off, share of disbursed dollars | 0.3% | 1.5% | 2.5% |
| Dollars charged off | $4.2M | $565M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 370 | 219 | 0 | 0.0% | 2.8% |
| FY2020 | 201 | 134 | 0 | 0.0% | 4.0% |
| FY2019 | 131 | 79 | 1 | 0.8% | 6.7% |
| FY2018 | 186 | 128 | 2 | 1.1% | 7.9% |
| FY2017 | 107 | 83 | 1 | 0.9% | 7.7% |
| FY2016 | 10 | 9 | 0 | — | 7.2% |
| FY2015 | 0 | 0 | 0 | — | 6.9% |
| FY2014 | 0 | 0 | 0 | — | 6.4% |
| FY2013 | 0 | 0 | 0 | — | 6.0% |
| FY2012 | 21 | 16 | 0 | — | 6.3% |
| FY2011 | 19 | 16 | 0 | — | 6.9% |
| FY2010 | 4 | 4 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $765K | $190K |
| Average approval | $1.1M | $518K |
| Approvals of $150,000 or less | 0.6% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 18.8% | 34.3% |
| Approvals to franchise businesses | 2.8% | 11.5% |
| Jobs supported per approval, as reported | 12.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 0.4% | 6.6% |
States served
| # | State of the business (46 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 723 | $877M | 41.4% | |
| 2 | Florida | 155 | $139M | 8.9% | |
| 3 | Illinois | 95 | $84.6M | 5.4% | |
| 4 | New York | 83 | $103M | 4.8% | |
| 5 | Texas | 79 | $78.0M | 4.5% | |
| 6 | Georgia | 74 | $56.9M | 4.2% | |
| 7 | Washington | 46 | $54.0M | 2.6% | |
| 8 | Arizona | 45 | $33.6M | 2.6% | |
| 9 | Maryland | 40 | $33.9M | 2.3% | |
| 10 | North Carolina | 37 | $27.1M | 2.1% | |
| 11 | Nevada | 34 | $33.1M | 1.9% | |
| 12 | New Jersey | 30 | $34.5M | 1.7% |
In California the lender accounts for 2.1% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (368 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Los Angeles County, CA | 222 | $286M | 12.7% | |
| 2 | San Bernardino County, CA | 73 | $88.3M | 4.2% | |
| 3 | Riverside County, CA | 68 | $75.0M | 3.9% | |
| 4 | Cook County, IL | 62 | $48.8M | 3.6% | |
| 5 | Orange County, CA | 61 | $103M | 3.5% | |
| 6 | San Diego County, CA | 49 | $63.9M | 2.8% | |
| 7 | Sacramento County, CA | 45 | $47.6M | 2.6% | |
| 8 | Miami-Dade County, FL | 38 | $42.0M | 2.2% | |
| 9 | Maricopa County, AZ | 32 | $25.8M | 1.8% | |
| 10 | Alameda County, CA | 23 | $24.4M | 1.3% | |
| 11 | Suffolk County, NY | 20 | $21.8M | 1.1% | |
| 12 | Ventura County, CA | 18 | $20.0M | 1.0% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 276 | 15.8% | |
| 2 | Health Care and Social Assistance | 270 | 15.5% | |
| 3 | Other Services (except Public Administration) | 239 | 13.7% | |
| 4 | Retail Trade | 223 | 12.8% | |
| 5 | Construction | 139 | 8.0% | |
| 6 | Manufacturing | 100 | 5.7% | |
| 7 | Professional, Scientific, and Technical Services | 95 | 5.4% | |
| 8 | Transportation and Warehousing | 90 | 5.2% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 180 | 10.3% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 134 | 7.7% | |
| 3 | Child Day Care ServicesNAICS 6244 | 90 | 5.2% | |
| 4 | Lessors of Real EstateNAICS 5311 | 52 | 3.0% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 52 | 3.0% | |
| 6 | General Freight TruckingNAICS 4841 | 51 | 2.9% | |
| 7 | Personal Care ServicesNAICS 8121 | 51 | 2.9% | |
| 8 | Traveler AccommodationNAICS 7211 | 46 | 2.6% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 35 | 2.0% | |
| 10 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 31 | 1.8% |
Approval sizes
- $50,001 to $150,0000.6%10
- $150,001 to $350,00014.3%249
- $350,001 to $1 million47.0%821
- $1 million to $2 million25.8%450
- Over $2 million12.4%216
Loan terms
- Over 5 to 10 years2.3%40
- Over 10 to 20 years0.2%3
- Over 20 years97.5%1,703
Age of the businesses
- Existing, more than 2 years old80.0%1,397
- New business, 2 years or less16.4%287
- Startup, loan funds will open the business2.4%42
- Change of ownership1.1%19
- Not answered0.1%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 1,711 | 98.0% | |
| 2 | 7a General | 32 | 1.8% | |
| 3 | International Trade Loans | 3 | 0.2% |
Franchise share
49 of 1,746 approvals in FY2021–FY2025 (2.8%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Ihop | 2 | 0.1% | |
| 2 | Comfort Inn | 2 | 0.1% | |
| 3 | Americas Best Value Inn | 2 | 0.1% | |
| 4 | Fix Auto | 2 | 0.1% | |
| 5 | LaundroLab | 2 | 0.1% | |
| 6 | CertaPro Painters | 2 | 0.1% | |
| 7 | Sub Zero Ice Cream & Yogurt | 2 | 0.1% | |
| 8 | Wingate by Wyndham | 1 | 0.1% |
Questions and answers
How many SBA loans does Harvest Small Business Finance, LLC make?
SBA approved 472 7(a) loans through Harvest Small Business Finance, LLC in FY2025, worth $446M, and 1,746 over FY2021 to FY2025. That ranks 25th of 2,184 active 7(a) lenders by number of approvals.
How large are Harvest Small Business Finance, LLC's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $765K and the average $1.1M. The program-wide median was $190K.
What is Harvest Small Business Finance, LLC's charge-off rate?
Of 1,049 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (0.4%), 688 as paid in full and 357 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Harvest Small Business Finance, LLC lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (180); automotive repair and maintenance (134); child day care services (90); lessors of real estate (52).
Where does Harvest Small Business Finance, LLC make SBA loans?
In 46 states and territories. California 723, Florida 155, Illinois 95, New York 83, Texas 79. In California it accounts for 2.1% of all 7(a) approvals.
Is Harvest Small Business Finance, LLC's SBA lending rising?
Approvals in the three latest complete fiscal years total 1,077, against 905 in the three before: rising (+19%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error