Best SBA 7(a) lenders for pharmacies and drug stores
NAICS 446110 — Pharmacies and Drug Stores.
737 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $553.2M.
Loans
737
Total $
$553.2M
Avg loan
$751K
Avg rate
6.20%
Avg term
134 mo
Industry chg-off rate
1.82%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 97 | $162.2M | $1.7M | 5.49% | 0.00% |
| 2 | First Financial Bank | 57 | $72.6M | $1.3M | 5.62% | 3.51% |
| 3 | TD Bank, National Association | 30 | $5.0M | $166K | 9.23% | 12.50% |
| 4 | Banco Popular de Puerto Rico | 27 | $4.3M | $160K | 8.53% | 0.00% |
| 5 | The Huntington National Bank | 25 | $7.6M | $304K | 5.50% | 0.00% |
| 6 | BayFirst National Bank | 25 | $4.7M | $187K | 10.26% | 13.64% |
| 7 | Byline Bank | 22 | $14.4M | $656K | 6.60% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 22 | $3.8M | $172K | 7.15% | 0.00% |
| 9 | United Community Bank | 20 | $6.3M | $316K | 6.22% | 0.00% |
| 10 | Citizens Bank | 15 | $9.0M | $601K | 6.05% | 13.33% |
| 11 | First-Citizens Bank & Trust Company | 15 | $8.2M | $550K | 5.57% | 0.00% |
| 12 | U.S. Bank, National Association | 14 | $3.6M | $259K | 6.70% | 0.00% |
| 13 | Oriental Bank | 12 | $1.4M | $113K | 6.31% | 0.00% |
| 14 | JPMorgan Chase Bank, National Association | 12 | $4.3M | $362K | 6.69% | 0.00% |
| 15 | Wells Fargo Bank National Association | 12 | $3.2M | $266K | 7.61% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 446110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.