Harvest Small Business Finance, LLC

Harvest Small Business Finance, LLC is a Commercial Real Estate Finance company based in Laguna Hills, California. In a strategic partnership between Medalist Partners and Harvest's Senior Management, Harvest acquired an SBLC (Small Business Lending Company) Non-Bank Lender License that allows for originating and servicing SBA 7A loans on a nationwide basis.

A separate company division, Harvest Commercial Capital also has an on-balance sheet SBA 504 and Small Balance Commercial loan products to be held for securitization. Harvest conducts business in all 48 contiguous states.

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Plaza Bank

Lend to many business types including auto repair, car dealerships, private schools, laundromats, day care, contractor yards, convenience stores and self storage, construction, tenant improvements, investor properties

93% LTV on owner-user purchases – sba 7(a) & 504

Will consider credit scores as low as 600 with some of the most aggressive loan-to-value standards in the industry

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Greystone Servicing Corporation, Inc.

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Senior Vice President at Harvest Small Business Finance, LLC. Direct 310-363-9346

At Harvest Small Business Finance, I focus on fortifying businesses nationwide with robust SBA 7A and 504 loan products. Our team has excelled in delivering financial solutions that empower small to medium-sized businesses to thrive, thanks to a strategic partnership with Medalist Partners and a commitment to New Business Development and Customer Relationship Management.

My analytical skills are pivotal in managing our expansive portfolio, ensuring high-quality loan servicing across all 48 contiguous states. By leveraging my MBA in Finance, I contribute to the company's mission, supporting clients with tailored financial structures and maintaining the integrity of our loan products.

SBA Ownership Rule Fallout: Here’s what’s about to change—and why you should care.
The headline changes made waves—but the real impact is still flying under the radar.
March 1 is 14 days away.
Here’s what’s really at stake:
• 7(a): Green card holders (LPRs) who’ve built businesses here for decades? Suddenly locked out—regardless of repayment history or U.S. jobs created.
• 7(a): U.S.-citizen founders with even one LPR on their cap table? Disqualified—NO exceptions.
• 7(a): Franchisees, family businesses, partnerships—if there’s LPR ownership, you’re out of options.
• 504: CDC/504 transactions already in the pipeline, not yet closed? Potentially dead on arrival—putting millions in project financing at risk.
Here’s what’s getting missed in the headlines:
This shift was rolled out as a Procedural Notice—not formal rulemaking under the Administrative Procedure Act (APA).
No public comment period. No 90-day implementation window. No stakeholder input.
This single notice categorically excludes a whole class of previously eligible borrowers from the two largest government-backed small business lending programs in the U.S.—7(a) and 504. Certified and Preferred Lenders, CDCs: You will feel this downstream as the pipeline constricts and communities lose access to capital.
Legal experts I’ve spoken with see a strong APA challenge here.
There may also be Equal Protection grounds—courts often scrutinize federal rules that single out non-citizens.
With the March 1 implementation date looming, legal challenges are almost a given—an injunction before the deadline would not surprise me.
LENDERS: Act now. Submit 7(a) and 504 files for INS Clearance immediately—if you haven’t, expect significant delays. Start lining up conventional alternatives and review your pipeline for vulnerable deals. DM me to strategize next steps before the window slams shut.
BORROWERS: If you have LPRs in your ownership structure, call your counsel TODAY. Every day counts—your eligibility and funding are on the line.
SBA insiders: Watch NAGGL and NADCO—organized pushback and possible advocacy efforts will start there.
Last year alone, SBA 7(a) approvals totaled ~$45B.
A significant portion went to LPR-backed ventures—especially in growth sectors and local economies.
This isn’t a simple policy tweak.
This is a fundamental shift.
And 14 days is nowhere near enough.
This is a pivotal moment for SBA lending. If you’re affected—lender, borrower, CDC, or advocate—share your story in the comments. Your voice puts a spotlight on what this really means for Main Street. I’ll keep bringing updates as this unfolds.
♻️ Repost if your network needs to see this.
#SBA #SmallBusiness #7aLoans #504Loans #SBALending #ImmigrantFounders

Chris Rabenold

Senior Vice President | Nationwide SBA & CRE Lending | Empowering Business Growth Through Strategic Financing

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