Best SBA 7(a) lenders for highway, street, and bridge construction
NAICS 237310 — Highway, Street, and Bridge Construction.
520 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $315.4M.
Loans
520
Total $
$315.4M
Avg loan
$606K
Avg rate
8.48%
Avg term
116 mo
Industry chg-off rate
1.08%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 53 | $9.3M | $176K | 9.48% | 10.53% |
| 2 | U.S. Bank, National Association | 30 | $4.0M | $133K | 9.38% | 0.00% |
| 3 | JPMorgan Chase Bank, National Association | 29 | $5.9M | $203K | 10.40% | 0.00% |
| 4 | TD Bank, National Association | 16 | $4.4M | $273K | 8.59% | 0.00% |
| 5 | Northeast Bank | 15 | $3.9M | $257K | 11.02% | 0.00% |
| 6 | Bank of Bridger, National Association | 12 | $2.3M | $189K | 5.04% | 0.00% |
| 7 | Wells Fargo Bank National Association | 12 | $175K | $15K | 11.27% | 0.00% |
| 8 | Bank of America, National Association | 12 | $4.2M | $353K | 8.21% | 0.00% |
| 9 | Zions Bank, A Division of | 11 | $3.1M | $282K | 9.42% | 0.00% |
| 10 | First Commonwealth Bank | 10 | $8.3M | $830K | 6.67% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 9 | $2.6M | $291K | 7.64% | 0.00% |
| 12 | KeyBank National Association | 8 | $591K | $74K | 9.62% | 0.00% |
| 13 | United Midwest Savings Bank National Association | 8 | $1.1M | $133K | 9.50% | 0.00% |
| 14 | Readycap Lending, LLC | 8 | $5.9M | $743K | 10.19% | 0.00% |
| 15 | Newtek Bank, National Association | 8 | $5.8M | $720K | 11.38% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 237310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.