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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
- Default 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% |
| Fix Auto | 2 | $3.7M | 0.0% |
| Checkers | 2 | $4.3M | — |
| Big Bob's Flooring Outlet | 2 | $4.8M | 0.0% |
| Best Western - Membership Agre | 2 | $8.1M | 0.0% |
| LaundroLab | 2 | $1.3M | — |
| Comfort Inn by Choice Hotels/C | 2 | $5.7M | — |
| Home Instead/Home Instead Seni | 1 | $259K | 0.0% |
| Wyndham Grand | 1 | $4.9M | 0.0% |
| Days Inn by Wyndham | 1 | $1.7M | — |
| Sleep Inn by Choice Hotels/Sle | 1 | $2.8M | 0.0% |
| Umai Savory Hot Dogs | 1 | $1.4M | — |
| Super 8 by Wyndhan | 1 | $1.6M | 0.0% |
| Hawthorn Suites by Wyndham | 1 | $3.8M | 0.0% |
| La Quinta by Wyndham a.k.a. La | 1 | $1.5M | 0.0% |
| Knights Inn | 1 | $1.5M | 0.0% |
| Creek Stone Academy | 1 | $2.8M | 0.0% |
| Sub Zero Ice Cream & Yogurt/Su | 1 | $701K | — |
| Flooring America - Member Agre | 1 | $3.9M | 0.0% |
| The Grout Medic | 1 | $1.2M | — |
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 default rate by loan vintage
BrandNational avg
Geographic exposure
190.0%
90.0%
60.0%
40.0%
350.0%
3—
30.0%
20.0%
2—
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
Default 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%), Critical (>20%).