Best SBA 7(a) lenders for roofing, siding, and insulation material merchant wholesalers
NAICS 423330 — Roofing, Siding, and Insulation Material Merchant Wholesalers.
80 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $49.6M.
Loans
80
Total $
$49.6M
Avg loan
$620K
Avg rate
8.31%
Avg term
127 mo
Industry chg-off rate
2.08%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | First Commonwealth Bank | 5 | $1.3M | $263K | 7.80% | 0.00% |
| 2 | Friend Bank | 5 | $525K | $105K | 4.95% | 0.00% |
| 3 | The Huntington National Bank | 4 | $4.3M | $1.1M | 10.00% | 0.00% |
| 4 | PNC Bank, National Association | 4 | $420K | $105K | 10.24% | 0.00% |
| 5 | United Midwest Savings Bank National Association | 4 | $600K | $150K | 6.00% | 0.00% |
| 6 | Newtek Bank, National Association | 3 | $3.2M | $1.1M | 10.75% | — |
| 7 | Glacier Bank | 3 | $1.3M | $439K | 7.83% | 0.00% |
| 8 | Readycap Lending, LLC | 3 | $297K | $99K | 13.17% | 0.00% |
| 9 | Citizens Bank, National Association | 3 | $2.6M | $858K | 5.25% | 0.00% |
| 10 | Northeast Bank | 3 | $610K | $203K | 10.50% | — |
| 11 | Wells Fargo Bank National Association | 3 | $75K | $25K | 11.42% | 0.00% |
| 12 | American National Bank | 2 | $1.5M | $763K | 4.00% | 0.00% |
| 13 | BOKF, National Association | 2 | $716K | $358K | 4.25% | 0.00% |
| 14 | Old National Bank | 2 | $1.9M | $939K | 5.25% | 0.00% |
| 15 | First Horizon Bank | 2 | $1.1M | $544K | 7.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 423330. Charge-off rates are calculated on the FY2020–FY2023 cohort only.