Best SBA 7(a) lenders for wholesale trade agents and brokers
NAICS 425120 — Wholesale Trade Agents and Brokers.
545 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $279.3M.
Loans
545
Total $
$279.3M
Avg loan
$513K
Avg rate
9.39%
Avg term
126 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 | 44 | $7.9M | $179K | 11.09% | — |
| 2 | TD Bank, National Association | 37 | $3.7M | $100K | 10.76% | 14.29% |
| 3 | Newtek Bank, National Association | 32 | $16.4M | $513K | 11.50% | 0.00% |
| 4 | BayFirst National Bank | 29 | $9.0M | $310K | 11.65% | 0.00% |
| 5 | JPMorgan Chase Bank, National Association | 27 | $6.6M | $245K | 10.39% | 0.00% |
| 6 | The Huntington National Bank | 26 | $5.5M | $210K | 9.56% | 0.00% |
| 7 | Wells Fargo Bank National Association | 16 | $2.9M | $181K | 10.73% | 0.00% |
| 8 | Readycap Lending, LLC | 15 | $8.4M | $560K | 10.77% | 20.00% |
| 9 | Cadence Bank | 15 | $5.5M | $366K | 9.62% | 0.00% |
| 10 | Celtic Bank Corporation | 12 | $1.6M | $132K | 9.02% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 12 | $4.7M | $390K | 9.42% | 12.50% |
| 12 | U.S. Bank, National Association | 10 | $3.7M | $372K | 7.32% | 14.29% |
| 13 | Regions Bank | 9 | $13.1M | $1.5M | 8.52% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 9 | $4.5M | $495K | 9.28% | 0.00% |
| 15 | Bank of America, National Association | 8 | $2.4M | $299K | 6.20% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 425120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.