Best SBA 7(a) lenders for apparel accessories and other apparel manufacturing
NAICS 315990 — Apparel Accessories and Other Apparel Manufacturing.
356 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $157.0M.
Loans
356
Total $
$157.0M
Avg loan
$441K
Avg rate
9.56%
Avg term
124 mo
Industry chg-off rate
3.43%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 41 | $11.9M | $290K | 11.49% | 0.00% |
| 2 | The Huntington National Bank | 29 | $3.3M | $116K | 8.70% | 7.14% |
| 3 | Readycap Lending, LLC | 22 | $8.7M | $397K | 12.66% | 0.00% |
| 4 | Wells Fargo Bank National Association | 18 | $3.0M | $166K | 9.94% | 0.00% |
| 5 | Northeast Bank | 15 | $2.9M | $193K | 11.03% | 0.00% |
| 6 | Celtic Bank Corporation | 15 | $5.8M | $389K | 9.62% | 0.00% |
| 7 | BayFirst National Bank | 15 | $1.9M | $127K | 11.97% | 0.00% |
| 8 | U.S. Bank, National Association | 10 | $1.3M | $133K | 7.90% | 0.00% |
| 9 | TD Bank, National Association | 10 | $448K | $45K | 10.63% | 25.00% |
| 10 | JPMorgan Chase Bank, National Association | 9 | $2.1M | $228K | 10.22% | 0.00% |
| 11 | Cadence Bank | 8 | $4.8M | $603K | 9.94% | 0.00% |
| 12 | KeyBank National Association | 7 | $1.9M | $272K | 8.14% | 0.00% |
| 13 | Comerica Bank | 5 | $2.2M | $431K | 4.94% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 5 | $956K | $191K | 8.75% | 0.00% |
| 15 | Manufacturers and Traders Trust Company | 5 | $605K | $121K | 9.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 315990. Charge-off rates are calculated on the FY2020–FY2023 cohort only.