Harvest Commercial Capital, LLC: SBA Lending Profile
Harvest Commercial Capital, LLC is a bank that funds the first-mortgage portion of SBA 504 projects, headquartered in Laguna Hills, CA. It is active in 27 states, concentrated around CA, FL, NV. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Harvest Commercial Capital, LLC actually approves
The median SBA approval at Harvest Commercial Capital, LLC is $899,000. The middle 80% of its loans fall between $373,500 and $2,613,640. The smallest approval on record since 2020 is $163,000 and the largest is $7,854,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| 504 first mortgage (third party) | 372 | $899K | n/a | 25 years |
| 504 first mortgage (third party) | 1 | $461K | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 27 | 5.6% |
| General Automotive Repair | 19 | 3.9% |
| Child Day Care Services | 18 | 3.7% |
| Limited-Service Restaurants | 13 | 2.7% |
| Hotels (except Casino Hotels) and Motels | 12 | 2.5% |
| Offices of Lawyers | 10 | 2.1% |
| General Freight Trucking, Long-Distance, Truckload | 10 | 2.1% |
| Offices of Physicians (except Mental Health Specialists) | 9 | 1.9% |
| Automotive Body, Paint, and Interior Repair and Maintenance | 9 | 1.9% |
| Used Car Dealers | 9 | 1.9% |
| Plumbing, Heating, and Air-Conditioning Contractors | 8 | 1.7% |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 8 | 1.7% |
Borrower profile
- only 7.1% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 100% of its recent SBA loans.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Harvest Commercial Capital, LLC.