Best SBA 7(a) lenders for water and sewer line and related structures construction
NAICS 237110 — Water and Sewer Line and Related Structures Construction.
396 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $197.8M.
Loans
396
Total $
$197.8M
Avg loan
$500K
Avg rate
8.73%
Avg term
114 mo
Industry chg-off rate
1.47%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 48 | $10.0M | $209K | 8.14% | 3.70% |
| 2 | U.S. Bank, National Association | 25 | $3.6M | $143K | 7.50% | 5.56% |
| 3 | Northeast Bank | 17 | $3.0M | $177K | 10.78% | 0.00% |
| 4 | JPMorgan Chase Bank, National Association | 14 | $2.2M | $157K | 11.90% | 0.00% |
| 5 | Zions Bank, A Division of | 11 | $2.9M | $260K | 10.52% | 0.00% |
| 6 | BayFirst National Bank | 10 | $1.5M | $149K | 12.03% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 9 | $2.0M | $225K | 8.72% | 0.00% |
| 8 | Banner Bank | 9 | $1.3M | $148K | 7.75% | 0.00% |
| 9 | TD Bank, National Association | 9 | $2.0M | $225K | 9.13% | 0.00% |
| 10 | Wells Fargo Bank National Association | 9 | $185K | $21K | 13.00% | 0.00% |
| 11 | Newtek Bank, National Association | 8 | $9.3M | $1.2M | 11.34% | 0.00% |
| 12 | Readycap Lending, LLC | 7 | $2.8M | $404K | 12.50% | — |
| 13 | Columbia Bank | 7 | $200K | $29K | 7.61% | 0.00% |
| 14 | Cadence Bank | 7 | $3.0M | $425K | 9.21% | 0.00% |
| 15 | Glacier Bank | 7 | $1.6M | $229K | 5.78% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 237110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.