HS
SBA 7(a) franchise lending portfolio
Harvest Small Business Finance, LLC
Risk rating: Excellent
- Total loans
- 67
- Loan volume
- $134.7M
- Avg loan size
- $2.0M
- Charge-off rate
- 4.2%
- vs 16.0% national
Charged off
1
Avg interest
8.13%
Franchises funded
58
Risk rating
Excellent
Top franchise exposures
| Franchise | Loans | Volume | Charge-off % |
|---|---|---|---|
| Baymont by Wyndham aka Baymont | 4 | $10.0M | N/A |
| Fix Auto | 2 | $3.7M | N/A |
| Checkers | 2 | $4.3M | N/A |
| Big Bob's Flooring Outlet | 2 | $4.8M | N/A |
| Best Western - Membership Agre | 2 | $8.1M | N/A |
| LaundroLab | 2 | $1.3M | N/A |
| Comfort Inn by Choice Hotels/C | 2 | $5.7M | N/A |
| Home Instead/Home Instead Seni | 1 | $259K | N/A |
| Wyndham Grand | 1 | $4.9M | N/A |
| Days Inn by Wyndham | 1 | $1.7M | N/A |
| Sleep Inn by Choice Hotels/Sle | 1 | $2.8M | N/A |
| Umai Savory Hot Dogs | 1 | $1.4M | N/A |
| Super 8 by Wyndhan | 1 | $1.6M | N/A |
| Hawthorn Suites by Wyndham | 1 | $3.8M | N/A |
| La Quinta by Wyndham a.k.a. La | 1 | $1.5M | N/A |
| Knights Inn | 1 | $1.5M | N/A |
| Creek Stone Academy | 1 | $2.8M | N/A |
| Sub Zero Ice Cream & Yogurt/Su | 1 | $701K | N/A |
| Flooring America - Member Agre | 1 | $3.9M | N/A |
| The Grout Medic | 1 | $1.2M | N/A |
Lending volume by year
Show the numbers by year
| Fiscal year | Loans |
|---|---|
| FY2017 | 2 |
| FY2018 | 11 |
| FY2019 | 6 |
| FY2020 | 4 |
| FY2021 | 10 |
| FY2022 | 4 |
| FY2023 | 2 |
| FY2024 | 9 |
| FY2025 | 16 |
| FY2026 | 3 |
SBA 7(a) · charge-off rate by approval year
Harvest Small Business Finance, LLC charge-off rate by loan vintage
None of these 3 approval years has 10 or more resolved loans, too few to draw a trend. Each year’s numbers are in the table below.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2018 | 8 | 1 | Too few |
| 2019 | 5 | 0 | Too few |
| 2021 | 6 | 0 | Too early |
Source and method
SBA 7(a) FOIA loan records. Rate: charged-off loans over resolved loans (paid in full plus charged off) for loans approved that year; it moves as loans are resolved.
Geographic exposure
190.0% (excellent)
9N/A
6N/A
4N/A
3N/A
3N/A
3N/A
3N/A
2N/A
2N/A
Portfolio summary
Total funded$134.7M
Charged off1 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). Across SBA 7(a) franchise lending, the national charge-off rate is 16.0% over 94,550 resolved loans.Portfolios materially above that signal either riskier franchise selection or weaker underwriting. Harvest Small Business Finance, LLC's rate of 4.2% is below the national rate.
- 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.