Harvest Small Business Finance, LLC

This is a financial institution offering SBA loan programs to small businesses, providing funding solutions and expert guidance to help your business grow.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.

Typically, they operate from 9 am to 5 pm, Monday through Friday, but it's best to confirm directly with the branch.

There are no fees to access the lender's services; however, there may be application or processing fees associated with specific loan products.

This lender primarily serves small businesses within California, but eligibility depends on meeting specific SBA program criteria.

A minimum personal credit score of around 680 is generally preferred for approval.

The process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

Most banks keep weekday business hours and are closed on weekends, and Harvest Small Business Finance, LLC typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Harvest Small Business Finance, LLC to confirm current weekend availability before you go.

Harvest Small Business Finance, LLC is located in California — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Harvest Small Business Finance, LLC, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Harvest Small Business Finance, LLC itself, which runs its own lending under its own ownership. If you work at Harvest Small Business Finance, LLC, you can claim this listing from this page to manage it.

The core details for Harvest Small Business Finance, LLC — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Harvest Small Business Finance, LLC before applying. If you represent Harvest Small Business Finance, LLC, claim this listing to keep its information up to date.

You can reach Harvest Small Business Finance, LLC by phone at (949) 534-0240 or online at harvestsbf.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Harvest Small Business Finance, LLC before relying on them.

Based on its approved SBA loans, Harvest Small Business Finance, LLC most often finances businesses in restaurants & food service, construction & contractors, medical practices & clinics, automotive repair & services, general retail, and manufacturing. This reflects Harvest Small Business Finance, LLC's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Harvest Small Business Finance, LLC which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Harvest Small Business Finance, LLC participates in SBA Express depends on its specific SBA lending authority. Contact Harvest Small Business Finance, LLC and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Harvest Small Business Finance, LLC can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Harvest Small Business Finance, LLC's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Harvest Small Business Finance, LLC directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Harvest Small Business Finance, LLC what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Harvest Small Business Finance, LLC to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Harvest Small Business Finance, LLC to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Harvest Small Business Finance, LLC weighs this case by case under its own policy, so be upfront about your history and ask Harvest Small Business Finance, LLC how it evaluates prior bankruptcies.