Best SBA 7(a) lenders for all other specialty trade contractors
NAICS 238990 — All Other Specialty Trade Contractors.
5,857 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $2.81B.
Loans
5,857
Total $
$2.81B
Avg loan
$479K
Avg rate
8.76%
Avg term
125 mo
Industry chg-off rate
1.40%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 982 | $260.2M | $265K | 8.57% | 1.40% |
| 2 | U.S. Bank, National Association | 340 | $83.1M | $244K | 8.50% | 3.63% |
| 3 | Manufacturers and Traders Trust Company | 233 | $25.0M | $107K | 9.98% | 2.13% |
| 4 | Northeast Bank | 199 | $33.7M | $169K | 10.99% | 9.09% |
| 5 | Live Oak Banking Company | 161 | $200.9M | $1.2M | 8.58% | 0.00% |
| 6 | TD Bank, National Association | 160 | $25.1M | $157K | 10.29% | 2.47% |
| 7 | Wells Fargo Bank National Association | 148 | $58.9M | $398K | 9.51% | 1.92% |
| 8 | BayFirst National Bank | 147 | $27.2M | $185K | 11.65% | 3.33% |
| 9 | JPMorgan Chase Bank, National Association | 139 | $37.9M | $273K | 10.36% | 0.00% |
| 10 | Readycap Lending, LLC | 127 | $55.0M | $433K | 11.31% | 0.00% |
| 11 | Cadence Bank | 112 | $38.1M | $340K | 8.76% | 2.90% |
| 12 | Newtek Bank, National Association | 93 | $62.4M | $671K | 11.37% | 0.00% |
| 13 | KeyBank National Association | 91 | $43.4M | $477K | 8.42% | 0.00% |
| 14 | PNC Bank, National Association | 65 | $12.8M | $198K | 10.13% | 2.78% |
| 15 | Newtek Small Business Finance, Inc. | 64 | $55.6M | $868K | 7.47% | 1.56% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 238990. Charge-off rates are calculated on the FY2020–FY2023 cohort only.