HS
SBA 7(a) franchise lending portfolio
Harvest Small Business Finance, LLC
EXCELLENT risk
- Total loans
- 67
- Loan volume
- $134.7M
- Avg loan size
- $2.0M
- Charge-off rate
- 4.2%
- vs 15.4% national avg
Defaults
1
Avg interest
8.13%
Franchises funded
58
Risk rating
EXCELLENT
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Baymont by Wyndham aka Baymont | 4 | $10.0M | 33.3% (very high risk) |
| Fix Auto | 2 | $3.7M | 0.0% (low risk) |
| Checkers | 2 | $4.3M | N/A |
| Big Bob's Flooring Outlet | 2 | $4.8M | 0.0% (low risk) |
| Best Western - Membership Agre | 2 | $8.1M | 0.0% (low risk) |
| LaundroLab | 2 | $1.3M | N/A |
| Comfort Inn by Choice Hotels/C | 2 | $5.7M | N/A |
| Home Instead/Home Instead Seni | 1 | $259K | 0.0% (low risk) |
| Wyndham Grand | 1 | $4.9M | 0.0% (low risk) |
| Days Inn by Wyndham | 1 | $1.7M | N/A |
| Sleep Inn by Choice Hotels/Sle | 1 | $2.8M | 0.0% (low risk) |
| Umai Savory Hot Dogs | 1 | $1.4M | N/A |
| Super 8 by Wyndhan | 1 | $1.6M | 0.0% (low risk) |
| Hawthorn Suites by Wyndham | 1 | $3.8M | 0.0% (low risk) |
| La Quinta by Wyndham a.k.a. La | 1 | $1.5M | 0.0% (low risk) |
| Knights Inn | 1 | $1.5M | 0.0% (low risk) |
| Creek Stone Academy | 1 | $2.8M | 0.0% (low risk) |
| Sub Zero Ice Cream & Yogurt/Su | 1 | $701K | N/A |
| Flooring America - Member Agre | 1 | $3.9M | 0.0% (low risk) |
| The Grout Medic | 1 | $1.2M | N/A |
Lending volume by year
2'17
11'18
6'19
4'20
10'21
4'22
2'23
9'24
16'25
3'26
Harvest Small Business Finance, LLC charge-off rate by loan vintage
BrandNational avg
Geographic exposure
190.0% (low risk)
90.0% (low risk)
60.0% (low risk)
40.0% (low risk)
350.0% (very high risk)
3N/A
3N/A
30.0% (low risk)
20.0% (low risk)
2N/A
Portfolio summary
Total funded$134.7M
Defaults1 of 67
Risk tierEXCELLENT
Avg rate8.13%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Charge-off rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), High Risk (>20%).
Frequently asked questions
- How many SBA 7(a) franchise loans has Harvest Small Business Finance, LLC originated?
- 67 loans totaling $134.7M. The portfolio carries a 4.2% charge-off rate, earning a “EXCELLENT” risk rating.
- What is the charge-off rate and why does it matter?
- Charge-off rate = charge-offs / (charge-offs + paid-in-full). For SBA 7(a) franchise lending, the national average runs 5–8%. Portfolios materially above that signal either riskier franchise selection or weaker underwriting.
- Where does this lending data come from?
- SBA 7(a) loan records released under the Freedom of Information Act. Each record carries approval date, amount, lender, business type, NAICS code, location, and outcome. See methodology.
- Which franchise brands does Harvest Small Business Finance, LLC fund the most?
- The “Top franchise exposures” table above lists the brands Harvest Small Business Finance, LLC has the largest concentration in. Click any brand to see its full FDD-disclosed financials, growth trajectory, and SBA loan performance across all lenders.