Best SBA 7(a) lenders for supermarkets and other grocery (except convenience) stores
NAICS 445110 — Supermarkets and Other Grocery (except Convenience) Stores.
2,323 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.80B.
Loans
2,323
Total $
$1.80B
Avg loan
$776K
Avg rate
8.32%
Avg term
157 mo
Industry chg-off rate
2.16%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 151 | $63.0M | $417K | 8.34% | 0.00% |
| 2 | TD Bank, National Association | 99 | $20.3M | $205K | 10.06% | 5.45% |
| 3 | U.S. Bank, National Association | 91 | $53.1M | $584K | 7.26% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 75 | $9.8M | $131K | 10.66% | 16.22% |
| 5 | Readycap Lending, LLC | 62 | $77.5M | $1.3M | 10.02% | 0.00% |
| 6 | Bank of Hope | 61 | $69.2M | $1.1M | 7.13% | 0.00% |
| 7 | Metro City Bank | 59 | $104.6M | $1.8M | 5.76% | 1.89% |
| 8 | Newtek Bank, National Association | 46 | $19.7M | $427K | 11.26% | 0.00% |
| 9 | Eastern Bank | 45 | $6.0M | $134K | 10.08% | 8.33% |
| 10 | Northeast Bank | 41 | $6.3M | $154K | 10.91% | 0.00% |
| 11 | KeyBank National Association | 41 | $18.1M | $441K | 8.85% | 0.00% |
| 12 | BayFirst National Bank | 39 | $9.1M | $235K | 11.78% | 0.00% |
| 13 | Commonwealth Business Bank | 37 | $48.9M | $1.3M | 7.15% | 0.00% |
| 14 | Byline Bank | 36 | $52.7M | $1.5M | 7.83% | 3.57% |
| 15 | Wells Fargo Bank National Association | 34 | $17.6M | $519K | 9.04% | 7.14% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 445110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.