Best SBA 7(a) lenders for hardware stores
NAICS 444130 — Hardware Stores.
380 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $256.4M.
Loans
380
Total $
$256.4M
Avg loan
$675K
Avg rate
5.72%
Avg term
155 mo
Industry chg-off rate
0.27%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 29 | $32.4M | $1.1M | 5.88% | 0.00% |
| 2 | The Huntington National Bank | 28 | $7.2M | $259K | 5.76% | 0.00% |
| 3 | Wells Fargo Bank National Association | 25 | $27.4M | $1.1M | 5.24% | 0.00% |
| 4 | Newtek Small Business Finance, Inc. | 17 | $8.1M | $475K | 6.49% | 0.00% |
| 5 | National Cooperative Bank, National Association | 12 | $16.0M | $1.3M | 5.45% | 0.00% |
| 6 | U.S. Bank, National Association | 8 | $3.3M | $408K | 6.51% | 0.00% |
| 7 | Oriental Bank | 8 | $450K | $56K | 6.53% | 0.00% |
| 8 | TD Bank, National Association | 8 | $1.3M | $164K | 8.39% | 0.00% |
| 9 | Five Star Bank | 6 | $2.0M | $329K | 5.88% | 0.00% |
| 10 | Old National Bank | 6 | $5.6M | $926K | 4.04% | 0.00% |
| 11 | Columbia Bank | 6 | $4.8M | $793K | 6.08% | 0.00% |
| 12 | Customers Bank | 5 | $1.6M | $313K | 6.00% | 0.00% |
| 13 | The American National Bank of Texas | 5 | $3.7M | $731K | 5.25% | 0.00% |
| 14 | BayFirst National Bank | 5 | $1.8M | $365K | 10.20% | 0.00% |
| 15 | Nicolet National Bank | 4 | $2.0M | $492K | 4.25% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 444130. Charge-off rates are calculated on the FY2020–FY2023 cohort only.