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Harvest Lending

Funding Options

Explore the right funding solution for your business needs.

These are the different programs we offer — if you don't qualify for them right now, our commitment is to get YOU in position to qualify.

Don't qualify yet? We've got a plan. Get funded today, then we'll help you build credit and graduate to SBA-level rates.

Explore credit guidance
6 products

Real Estate Financing

Best for long-term real estate

Long amortization and low rates for property purchases or refinances. Underwriting weighs the property and DSCR as much as your business profile.

Range
$100K – $10M
Term
5–30 years
Speed
A few weeks
Rate
6.0%–12.0%

SBA Loans

Best for lowest rates

Government backing keeps rates low and terms long. The trade-off is heavier paperwork and a longer close — typically 4–8 weeks. Best when you have time and a clean credit profile.

Range
$50K – $5M
Term
5–25 years
Speed
A few weeks
Rate
6.5%–11.5%

Term Loans

Best for predictable growth investments

The middle ground between SBA and MCA. Faster than SBA, cheaper than MCA. Best when you have a clear use of funds and want fixed monthly payments you can model.

Range
$25K – $2M
Term
1–7 years
Speed
Within a week
Rate
8.0%–25.0%

Equipment Financing

Best for equipment without a down payment

The equipment itself is collateral, so approval is faster and FICO requirements are softer than a term loan. Up to 100% financing means no big up-front check.

Range
$10K – $1M
Term
2–7 years
Speed
Within a week
Rate
7.0%–20.0%

Merchant Cash Advance

Best for fastest funding

If you need capital this week and you have steady credit-card or ACH receipts, this is the fastest path. The cost is higher (factor rates, not APR), but credit isn't a hard gate.

Range
$5K – $500K
Term
3–18 months
Speed
As fast as 24 hours
Factor
1.35–1.50

Business Line of Credit

Best for flexibility

Best for businesses with lumpy cash flow. You're only paying for what you draw, and the line replenishes as you pay it down. The cheapest insurance against a slow month.

Range
$10K – $500K
Term
Revolving
Speed
Within a week
Rate
8.0%–30.0%