CONVENTIONAL LOAN

​Small Balance Commercial
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Harvest Commercial Capital offers conventional (non-SBA) owner-user financing, nationwide. Offering a conventional product allows Harvest to participate and fund commercial real estate projects that fall outside of the SBA lending requirements. By offering this creative product, we can capture a large group of small businesses that either don’t qualify for SBA financing, or don't fit a traditional bank's credit standards. 

Program Highlights

• Up to $5mm in CRE financing 
• Up to 65% LTV
• Down to 20% owner occupancy requirements (vs. 51% with SBA)
• Global Cash Flow of 1:15:1.00
• Tenant Income considered to improve DSCR
• Fico Scores down to 600
• Cash out OK! 

Eligible Property Types

• Office, Industrial, Retail 
• Special Purpose Properties- Flagged Hotels, education, day-care, restaurants, self-storage, auto repair and dealership properties

Ineligible Property Types

• Gas Stations
• Car Washes 
• Assisted Living
• Raw Land
• Rural Properties (less than 100,000 MSA)
• Ground Up Construction