Harvest Commercial Capital

What Harvest Commercial Capital does

Harvest Commercial Capital, LLC is a privately held, non-depository commercial lender headquartered in Laguna Hills, California. Founded in 2016, the company specializes in SBA 7(a), SBA 504, and conventional commercial real estate financing for small business borrowers who have been turned away or overlooked by large, regional, and community banks. The company is operationally linked to a sister entity, Harvest Small Business Finance, LLC, which holds a separate California Finance Lenders Law license (60DBO-52244) and originates SBA 7(a) loans, while Harvest Commercial Capital holds license 60DBO-53525 for SBA 504 and conventional CRE loans. Across both entities, Harvest has funded over $3 billion in commercial real estate loans since inception.

The business model is transaction-fee based: each SBA 7(a), SBA 504, or conventional CRE loan generates origination economics (fee, spread, and servicing), and the portfolio is built deal-by-deal rather than through depositor-funded balance sheet lending. Distribution is conducted through a national direct-sales force of business development officers who source and close relationships with SMB owners; the company is actively expanding this BDO team across regions including the Southwest. Customers are horizontally segmented — restaurants, retail, nonprofits, immigrant entrepreneurs, apparel distribution, stone fabrication, and small real estate investors — with no vertical concentration. Ancillary services include escrow for CRE transactions, and the website indicates pursuit of CDFI designation.

No proprietary technology platform, AI/ML capabilities, or digital underwriting infrastructure is disclosed in source material. The company's primary operating assets are its SBA Preferred Lender status, California Finance Lenders Law licensure, and its BDO-driven origination channel. Marketing is centered on client testimonial videos and a LinkedIn presence rather than paid performance channels.

Name

Harvest Commercial Capital

Legal name

Harvest Commercial Capital, LLC

Website

https://harvestcommercialcapital.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Harvest Commercial Capital is a California-based, non-depository small business lender that originates SBA 7(a), SBA 504, and conventional commercial real estate loans nationwide, having funded over $3 billion in CRE loans since 2016 for underserved SMB borrowers.

Ownership category

akta.pro rank

Product category

Commercial Real Estate Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

Commercial Real Estate (CRE) Mortgage Origination (FSALADAA), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Commercial real estate lending
• SBA 7(a) loans
• SBA 504 loans
• Small business financing
• Non-bank lending

Headquarters

HQ city

Laguna Hills

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. SBA 7(a) Loan Origination: Harvest originates SBA 7(a) loans for small businesses, providing financing for commercial real estate acquisition, business expansion, and working capital. These loans are made or arranged pursuant to California Finance Lenders Law license number 60DBO-52244.
2. SBA 504 Loan Origination: Harvest originates SBA 504 loans for small business commercial real estate needs. These loans are made or arranged pursuant to California Finance Lenders Law license number 60DBO-53525.
3. Conventional Commercial Mortgage Loans: Harvest provides conventional commercial real estate financing alongside SBA products. Loans are made or arranged pursuant to California Finance Lenders Law license number 60DBO-53525.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Harvest Commercial Capital is a non-depository lender that originates SBA 7(a) loans, SBA 504 loans, and conventional commercial real estate mortgage loans for small business borrowers across the United States. The company focuses on CRE transactions—acquisitions, expansions, and ownership transitions—for borrowers traditionally underserved by large, regional, and community banks. It also provides escrow services for commercial real estate closings, operating under California Finance Lenders Law licenses 60DBO-53525 (504/Conventional) and 60DBO-52244 (affiliated 7(a) entity).

Product overview

Harvest Commercial Capital operates as a premier non-bank SBA lender offering a unified financing platform. The core products include SBA 7(a) loans, SBA 504 loans, and conventional commercial mortgage loans, all designed to serve small business borrowers across the nation. As a non-depository lender focused solely on small business needs, Harvest has funded over $3 billion in commercial real estate loans since 2016. The company also offers escrow services as part of its comprehensive financing solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 7(a) Loans SBA 7(a) loans for small businesses, providing financing for commercial real estate acquisition, business expansion, and working capital, offered as a fast, easy, and flexible financing option for small business borrowers traditionally overlooked by larger banks.
• SBA 504 Loans SBA 504 loans for small business commercial real estate and equipment financing needs, offered alongside SBA 7(a) and conventional options.
• Conventional Commercial Real Estate Financing Conventional commercial mortgage loans for small business CRE transactions, provided as an alternative to SBA financing when SBA programs are not the optimal fit.
• Escrow Services Escrow services supporting commercial real estate transactions for Harvest's small business borrowers.

Quantifiable outcome

• Over $3 billion in CRE loans funded since 2016

Named customers8 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Emerging players

• Funding Circle US: Funding Circle is an online small-business lender serving SMBs underserved by traditional banks. While its core product is term loans rather than SBA/CRE, it overlaps with Harvest's target customer segment and non-depository lending model.
• BlueVine: BlueVine is a fintech non-depository lender offering lines of credit, term loans, and invoice factoring to small businesses. It competes for the same underserved SMB segment as Harvest but focuses on working capital rather than CRE.
• Lendio: Lendio is an SMB lending marketplace that connects small businesses to multiple lenders including SBA and CRE loan products. It overlaps with Harvest's target market (underserved SMB borrowers) but uses a fintech-enabled aggregator model rather than direct origination.

Direct peers

• Fountainhead Commercial Capital: Fountainhead is a non-bank SBA 504 and SBA 7(a) lender focused exclusively on small-business commercial real estate financing. It competes head-to-head with Harvest in the SBA CRE niche and shares the non-depository, specialized origination model.
• NewtekOne (Newtek Business Services): Newtek is a publicly traded non-bank lender and SMB services platform with a substantial SBA lending operation alongside conventional small-business credit products. It mirrors Harvest's SBA + conventional CRE mix and direct-to-SMB sales motion.
• Celtic Bank: Celtic Bank is an SBA-preferred lender active in SBA 7(a) and 504 origination for small businesses, frequently partnering with non-bank lenders. It is highly comparable to Harvest's SBA product set and small-business CRE focus.
• Live Oak Banking Company: Live Oak is the largest pure-play SBA lender in the U.S., originating SBA loans nationally with deep specialization in small-business verticals. It is the closest direct comparable to Harvest in product mix, SBA-led origination model, and target customer segment.

Broad incumbents

• Byline Bank: Byline Bank is a Chicago-based community bank with a large SBA lending division and small-business CRE origination capability. It competes with Harvest in SBA and small-business CRE while offering a broader deposit and commercial banking franchise.
• Wells Fargo SBA Lending: Wells Fargo is one of the largest SBA lenders in the U.S. and a dominant force in small-business CRE financing. It serves overlapping SMB customers with Harvest but offers SBA lending as part of a much broader financial services franchise.
• Citizens Bank (SBA Division): Citizens operates a significant SBA lending platform within its broader commercial bank footprint. It serves similar SMB CRE borrowers to Harvest but as part of a diversified, full-service banking institution.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/harvest-commercial-capital---504-and-conventional-financing

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Harvest Commercial Capital