Best SBA 7(a) lenders for other construction material merchant wholesalers
NAICS 423390 — Other Construction Material Merchant Wholesalers.
205 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $129.3M.
Loans
205
Total $
$129.3M
Avg loan
$631K
Avg rate
9.03%
Avg term
133 mo
Industry chg-off rate
3.85%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Northeast Bank | 18 | $2.9M | $160K | 10.90% | 0.00% |
| 2 | BayFirst National Bank | 13 | $1.7M | $129K | 12.50% | 0.00% |
| 3 | TD Bank, National Association | 11 | $1.5M | $134K | 9.94% | 0.00% |
| 4 | Wells Fargo Bank National Association | 11 | $6.0M | $544K | 10.38% | 20.00% |
| 5 | U.S. Bank, National Association | 9 | $3.7M | $411K | 8.13% | 12.50% |
| 6 | Cadence Bank | 7 | $1.8M | $255K | 10.57% | 0.00% |
| 7 | Cross River Bank | 7 | $6.8M | $974K | 9.21% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 6 | $3.5M | $579K | 10.04% | 0.00% |
| 9 | Manufacturers and Traders Trust Company | 6 | $4.2M | $695K | 11.21% | 0.00% |
| 10 | Five Star Bank | 4 | $1.1M | $265K | 7.50% | 0.00% |
| 11 | Live Oak Banking Company | 4 | $7.5M | $1.9M | 9.38% | — |
| 12 | Newtek Bank, National Association | 4 | $4.3M | $1.1M | 10.63% | — |
| 13 | The Huntington National Bank | 4 | $1.2M | $297K | 5.88% | 0.00% |
| 14 | Colony Bank | 3 | $450K | $150K | 11.50% | — |
| 15 | Lendistry SBLC, LLC | 3 | $775K | $258K | 12.00% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 423390. Charge-off rates are calculated on the FY2020–FY2023 cohort only.