Best SBA 7(a) lenders for flower, nursery stock, and florists' supplies merchant wholesalers
NAICS 424930 — Flower, Nursery Stock, and Florists' Supplies Merchant Wholesalers.
235 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $134.2M.
Loans
235
Total $
$134.2M
Avg loan
$571K
Avg rate
9.11%
Avg term
137 mo
Industry chg-off rate
1.65%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 16 | $2.3M | $145K | 11.98% | 16.67% |
| 2 | U.S. Bank, National Association | 14 | $9.3M | $666K | 7.43% | 11.11% |
| 3 | Newtek Bank, National Association | 12 | $10.9M | $911K | 11.71% | 0.00% |
| 4 | TD Bank, National Association | 12 | $2.6M | $220K | 9.43% | 0.00% |
| 5 | Northeast Bank | 11 | $1.4M | $123K | 11.20% | — |
| 6 | Readycap Lending, LLC | 10 | $11.1M | $1.1M | 12.18% | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 10 | $2.0M | $197K | 11.90% | 0.00% |
| 8 | The Huntington National Bank | 10 | $525K | $52K | 9.04% | 0.00% |
| 9 | Live Oak Banking Company | 8 | $12.3M | $1.5M | 8.37% | 0.00% |
| 10 | Manufacturers and Traders Trust Company | 6 | $500K | $83K | 10.12% | 0.00% |
| 11 | Bank of America, National Association | 5 | $2.8M | $561K | 9.78% | 0.00% |
| 12 | Celtic Bank Corporation | 4 | $3.3M | $819K | 7.06% | 0.00% |
| 13 | First Independent Bank | 4 | $125K | $31K | 8.38% | 0.00% |
| 14 | PNC Bank, National Association | 4 | $425K | $106K | 10.91% | 0.00% |
| 15 | Newtek Small Business Finance, Inc. | 4 | $4.9M | $1.2M | 7.63% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 424930. Charge-off rates are calculated on the FY2020–FY2023 cohort only.