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Veteran bankers Todd Massas, left, and Adam Seery, founders of Harvest Commercial Real Estate Finance, will use the Small Business Lending Co. license they were granted by the U.S. Small Business Association to help businesses considered credit risks by more traditional lenders.

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For the past eight years, San Diego County residents Adam Seery and Todd Massas watched as their fellow bankers stuck to strict lending guidelines and denied loans to business owners caught up in the 2007 recession. Bankers don’t want to hear the recession hurt a business, Massas said. “The minute they hear that, they’ll say an individual is not a good credit risk,” he said.

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