Exhibit 10.2

TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT
THIS TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this “Amendment”) is
entered into as of August 6, 2020 (for purposes hereof, the “Tenth Amendment
Effective Date”), by and among HARVEST CAPITAL CREDIT CORPORATION, a Delaware
corporation (“Harvest”), HCAP Equity Holdings, LLC, a Delaware limited liability
company (“Attached Equity Holder”), and HCAP ICC, LLC, a Delaware limited
liability company (“ICC Loan Subsidiary”), and each other Subsidiary of Harvest
from time to time party hereto as a “Borrower” (together with Attached Equity
Holder and ICC Loan Subsidiary, each individually a “Subsidiary Borrower” and
collectively the “Subsidiary Borrowers” and together with Harvest, each
individually and collectively, jointly and severally, the “Borrower”), each of
the undersigned financial institutions (individually each a “Lender” and
collectively the “Lenders”), which Lenders collectively constitute all of the
Lenders party to the Loan Agreement (defined below) as of the date hereof, and
PACIFIC WESTERN BANK (successor-by-merger to CapitalSource Bank), a California
state-chartered bank and, as administrative, payment and collateral agent for
itself, as a Lender, and for the other Lenders (together with its successors and
assigns in such capacities, “Agent”).
R E C I T A L S:
WHEREAS, Borrower, Agent and the Lenders have entered into that certain Loan and
Security Agreement, dated as of October 29, 2013 (as may be further amended,
restated, supplemented or otherwise modified from time to time, the “Loan
Agreement”), as amended by (i) that certain First Amendment to Loan and Security
Agreement, dated as of December 30, 2013, (ii) that certain Second Amendment to
Loan and Security Agreement, dated as of December 17, 2014, (iii) that certain
Third Amendment to Loan and Security Agreement, dated as of September 22, 2015,
(iv) that certain Fourth Amendment to Loan and Security Agreement and Joinder
and Limited Waiver and Consent, dated as of August 4, 2016, (v) that certain
Fifth Amendment to Loan and Security Agreement, dated as of April 28, 2017, (vi)
that certain Sixth Amendment to Loan and Security Agreement, dated as of
November 28, 2017, (vii) that certain Seventh Amendment to Loan and Security
Agreement, dated as of November 1, 2018, (viii) that certain Eighth Amendment to
Loan and Security Agreement, dated as of May 10, 2019, (ix) that certain Ninth
Amendment to Loan and Security Agreement, dated as of May 20, 2020, but
effective as of April 30, 2020 (the “Ninth Amendment” and together with each of
the other foregoing amendments to the Loan Agreement referenced in clauses (i)
through (viii) above, collectively, the “Prior Amendments”), pursuant to which
Agent and Lenders made certain financial accommodations to Borrower; and
WHEREAS, Borrower, Agent and Lenders desire to amend the Loan Agreement as set
forth herein.
NOW, THEREFORE, in consideration of the above-premises and other good and
valuable consideration, the parties hereto covenant and agree as follows:
i.The foregoing recitals are incorporated herein by reference.

ii.All capitalized terms used in this Amendment and not otherwise defined herein
shall have the meaning ascribed thereto in the Loan Agreement (as amended
hereby).

iii.Amendments to Loan Agreement.

(a)Section 1.1 of the Loan Agreement is hereby amended to:
(i)add each of the capitalized terms below in the appropriate alphabetical order
therein, to read as follows:

“Calendar Quarter” shall mean, for purposes of the Amortization Period and
Section 2.7(b) hereof, each of (a) the three month period beginning as of August
1, of each year, and ending as of

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October 31, of each year, (b) the three month period beginning as of November 1,
of each year, and ending as of January 31, of each year, (c) the three month
period beginning as of February 1, of each year, and ending as of April 30, of
each year, and (d) the three month period beginning as of May 1, of each year,
and ending as of July 31, of each year.
(ii)amend and restate the definition of “Amortization Period” therein to read as
follows:
“Amortization Period” shall mean the period beginning as of August 1, 2020, and
ending on the last day of the Term.
(iii)amend and restate the definition of “Revolving Period” therein to read as
follows:
“Revolving Period” shall mean the period commencing on the Closing Date and
ending on the earlier of (a) October 31, 2020, and (b) the occurrence and
continuance of an Event of Default.
(b)Section 2.7 of the Loan Agreement is hereby amended to amend clause (b)
thereof to delete each reference to “calendar quarter” therein and replace each
such reference with “Calendar Quarter” therein.

i.All references in the Loan Documents to the “Loan Agreement” shall be deemed
to refer to the Loan Agreement as amended by this Amendment.

ii.Borrower covenants and agrees with and represents and warrants to Agent and
Lenders as follows:

a.Borrower’s obligations under the Loan Agreement, as modified hereby, are and
shall remain secured by, inter alia, the Loan Agreement and the other Security
Documents;

b.(i) Borrower possesses all of the powers requisite for it to enter into and
carry out the transactions of Borrower referred to herein and to execute, enter
into and perform the terms and conditions of this Amendment, the Loan Documents
and any other documents contemplated herein that are to be performed by
Borrower; (ii) any and all actions required or necessary pursuant to Borrower’s
organizational documents or otherwise have been taken to authorize the due
execution, delivery and performance by Borrower of the terms and conditions of
this Amendment, the Loan Documents and said other documents; (iii) such
execution, delivery and performance will not conflict with, constitute a default
under or result in a breach of any applicable law or any agreement, instrument,
order, writ, judgment, injunction or decree to which Borrower is a party or by
which Borrower or any of its properties are bound; (iv) all consents,
authorizations and/or approvals required or necessary from any third parties in
connection with the entry into, delivery and performance by Borrower of the
terms and conditions of this Amendment, the Loan Documents, the said other
documents and the transactions contemplated hereby have been obtained by
Borrower and are in full force and effect;

c.This Amendment and the Loan Documents constitute the valid and legally binding
obligations of Borrower, enforceable against Borrower in accordance with their
respective terms, except as such enforceability may be limited by applicable
bankruptcy, insolvency, reorganization, moratorium or similar laws and by
general equitable principles, whether enforcement is sought by proceedings at
law or in equity;

d.All representations and warranties made by Borrower in the Loan Documents are
true and correct in all material respects, with the same force and effect as if
all such representations and warranties were fully set forth herein and made as
of the Tenth Amendment Effective Date;

e.This Amendment is not a substitution, novation, discharge or release of the
Borrower’s obligations under the Loan Agreement or any of the other Loan
Documents, all of which shall and are intended to remain in full force and
effect;

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f.(i) No Default or Event of Default has occurred and is continuing under the
Loan Documents; and (ii) there exist no defenses, offsets, counterclaims or
claims with respect to Borrower’s obligations and liabilities under the Loan
Agreement or any of the other Loan Documents; and

g.Borrower hereby ratifies and confirms in full its duties and obligations under
the Loan Agreement and the other Loan Documents.

iii.The following are conditions precedent to this Amendment:

a.Borrower shall have executed and delivered to Agent this Amendment;

b.The representations and warranties contained in the Loan Documents and in any
certificates delivered to Agent in connection with the closing of this Amendment
shall be true and correct in all material respects, and all covenants and
agreements required to have been complied with and performed by Borrower shall
have been fully complied with and performed to the satisfaction of Agent;

c.All actions taken in connection with the execution and delivery of this
Amendment shall be completely satisfactory to Agent and its counsel, and Agent
and its counsel shall have received copies of all such documents, instruments,
and other items as Agent or its counsel may reasonably request in connection
therewith, all in form and substance satisfactory to Agent and its counsel, in
their sole discretion;

d.There has been no occurrence of any Default or Event of Default that is
continuing and/or the exercise by Agent or any Lender of any and all of its
available rights and remedies with respect thereto;

e.Borrower shall have paid to Agent all fees and out-of-pocket costs, expenses,
and disbursements, including without limitation, reasonable fees and expenses of
counsel (whether in house counsel or retained counsel) incurred by Agent in
connection with the development, preparation, execution, administration,
interpretation, or performance of this Amendment and the documents to be entered
into and/or reviewed in connection therewith; and

f.Such other matters as Agent shall reasonably require.

iv.THIS AMENDMENT AND THE OTHER LOAN DOCUMENTS ARE GOVERNED BY THE LAWS OF THE
STATE OF NEW YORK IN RELIANCE ON NEW YORK GENERAL OBLIGATIONS LAW SECTION
5-1401, WITHOUT GIVING EFFECT TO ITS CHOICE OF LAW PROVISIONS THAT WOULD RESULT
IN APPLICATION OF THE LAWS OF A DIFFERENT JURISDICTION; EXCEPT THAT AT ALL TIMES
THE PROVISIONS FOR THE CREATION, PERFECTION, AND ENFORCEMENT OF THE LIEN AND
SECURITY INTEREST CREATED PURSUANT HERETO AND PURSUANT TO THE OTHER LOAN
DOCUMENTS SHALL BE GOVERNED BY AND CONSTRUED ACCORDING TO THE LAW OF THE STATE
IN WHICH THE PROPERTY IS LOCATED, IT BEING UNDERSTOOD THAT, TO THE FULLEST
EXTENT PERMITTED BY THE LAW OF SUCH STATE, FEDERAL LAW OR THE LAW OF THE STATE
OF NEW YORK, AS APPLICABLE, SHALL GOVERN THE CONSTRUCTION, VALIDITY AND
ENFORCEABILITY OF ALL LOAN DOCUMENTS AND ALL OF THE OBLIGATIONS ARISING
HEREUNDER OR THEREUNDER.  TO THE FULLEST EXTENT PERMITTED BY Applicable LAW,
BORROWER HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVES ANY CLAIM TO ASSERT THAT
THE Applicable LAW OF ANY OTHER JURISDICTION GOVERNS THIS AMENDMENT.

v.This Amendment shall be binding upon and shall inure to the benefit of the
parties hereto and their successors and assigns.

vi.Except as specifically modified herein, the Loan Agreement and the other Loan
Documents are hereby ratified and confirmed. Borrower and Agent agree that the
Loan Agreement and the other Loan Documents, as

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amended hereby, shall continue to be legal, valid, binding and enforceable in
accordance with their respective terms. Borrower agrees (i) that this Amendment
is not intended to constitute, and does not constitute or give rise to, and
shall not cause any novation, cancellation or extinguishment of any or all of
the Obligations or of any interests owned or held by Agent (and not previously
released) in and to any of the Collateral, and (ii) to pay the Loan and all
related expenses, as and when due and payable in accordance with the Loan
Agreement and the other Loan Documents (as amended hereby), and to observe and
perform the Obligations, and do all things necessary which are not prohibited by
law to prevent the occurrence of any Event of Default.

vii.This Amendment may be executed in any number of counterparts, each of which
when executed and delivered shall be deemed to be an original, and all of which
when taken together shall constitute one and the same agreement. Delivery of an
executed counterpart of a signature page of this Amendment by facsimile,
portable document format (.pdf), or other electronic imaging means shall be
effective as delivery of a manually executed counterpart of this Amendment.

viii.Borrower HEREBY ACKNOWLEDGES AND AGREES THAT AS OF THE DATE HEREOF IT HAS
NO DEFENSE, COUNTERCLAIM, OFFSET, CROSS-COMPLAINT, CLAIM OR DEMAND OF ANY KIND
OR NATURE WHATSOEVER THAT CAN BE ASSERTED TO REDUCE OR ELIMINATE ALL OR ANY PART
OF ITS LIABILITY TO REPAY THE OBLIGATIONS OR TO SEEK AFFIRMATIVE RELIEF OR
DAMAGES OF ANY KIND OR NATURE FROM AGENT. TO THE EXTENT PERMITTED BY APPLICABLE
LAW, Borrower HEREBY VOLUNTARILY AND KNOWINGLY RELEASES AND FOREVER DISCHARGES
EACH LENDER AND AGENT AND EACH OF THEIR RESPECTIVE PREDECESSORS, AGENTS,
EMPLOYEES, AFFILIATES, ATTORNEYS, SUCCESSORS AND ASSIGNS (COLLECTIVELY, THE
“RELEASED PARTIES”) FROM ALL CLAIMS WHATSOEVER, WHETHER KNOWN OR UNKNOWN,
ANTICIPATED OR UNANTICIPATED, SUSPECTED OR UNSUSPECTED, FIXED, CONTINGENT OR
CONDITIONAL, OR AT LAW OR IN EQUITY, IN ANY CASE ORIGINATING IN WHOLE OR IN PART
ON OR BEFORE THE DATE THIS AMENDMENT IS EXECUTED THAT Borrower MAY NOW OR
HEREAFTER HAVE AGAINST THE RELEASED PARTIES, IF ANY, IRRESPECTIVE OF WHETHER ANY
SUCH CLAIMS ARISE OUT OF CONTRACT, TORT, VIOLATION OF LAW OR REGULATIONS, OR
OTHERWISE, AND THAT ARISE FROM ANY OF THE LOANS, THE EXERCISE OF ANY RIGHTS AND
REMEDIES UNDER THIS AMENDMENT OR ANY OF THE OTHER LOAN DOCUMENTS, AND/OR THE
NEGOTIATION FOR AND EXECUTION OF THIS AMENDMENT, INCLUDING, WITHOUT LIMITATION,
ANY CONTRACTING FOR, CHARGING, TAKING, RESERVING, COLLECTING OR RECEIVING
INTEREST IN EXCESS OF THE HIGHEST LAWFUL RATE APPLICABLE. Borrower ACKNOWLEDGES
THAT THE FOREGOING RELEASE IS A MATERIAL INDUCEMENT TO AGENT AND LENDERS’
DECISION TO EXTEND TO SUCH CREDIT PARTY THE FINANCIAL ACCOMMODATIONS HEREUNDER
AND HAS BEEN RELIED UPON BY AGENT IN AGREEING TO MAKE THE LOAN. Borrower HEREBY
FURTHER SPECIFICALLY WAIVES ANY RIGHTS THAT IT MAY HAVE UNDER SECTION 1542 OF
THE CALIFORNIA CIVIL CODE (TO THE EXTENT APPLICABLE), WHICH PROVIDES AS FOLLOWS:
“A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR
SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF
KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR,” AND
FURTHER WAIVES ANY SIMILAR RIGHTS UNDER APPLICABLE LAWS.
[Remainder of page intentionally blank; signature pages follow.]

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IN WITNESS WHEREOF, the Borrower, Agent and Lenders have executed this Tenth
Amendment to Loan and Security Agreement as of the date first above written.
            BORROWER:
HARVEST CAPITAL CREDIT CORPORATION,
a Delaware corporation

By: _____________________  
Name: William E. Alvarez, Jr.
Title:  Chief Financial Officer
        HCAP Equity Holdings, LLC,
a Delaware limited liability company
By:  Harvest Capital Credit Corporation,
        its sole Member

By: _____________________   
Name: William E. Alvarez, Jr.
Title:  Chief Financial Officer

HCAP ICC, LLC,
a Delaware limited liability company
By:  Harvest Capital Credit Corporation,
        its sole Member

By: _____________________   
Name: William E. Alvarez, Jr.
Title:  Chief Financial Officer

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ADMINISTRATIVE AGENT, COLLATERAL AGENT, PAYMENT AGENT AND LENDER:

PACIFIC WESTERN BANK
(successor-by-merger to CapitalSource Bank),
a California state-chartered bank

By: ___________________  
Name: _____________________ 
Title: _____________________ 

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LENDER:

CITY NATIONAL BANK,
as a Lender
By:  ____________________  
Name: ______________________ 
Title:  ______________________