Best SBA 7(a) lenders for all other health and personal care stores
NAICS 446199 — All Other Health and Personal Care Stores.
180 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $92.2M.
Loans
180
Total $
$92.2M
Avg loan
$512K
Avg rate
6.45%
Avg term
136 mo
Industry chg-off rate
3.95%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 21 | $3.1M | $146K | 6.00% | 19.05% |
| 2 | The Huntington National Bank | 19 | $2.6M | $138K | 6.03% | 0.00% |
| 3 | Wells Fargo Bank National Association | 13 | $2.0M | $157K | 7.93% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 9 | $637K | $71K | 7.66% | 11.11% |
| 5 | BayFirst National Bank | 6 | $1.4M | $229K | 10.92% | 0.00% |
| 6 | Cadence Bank | 6 | $9.7M | $1.6M | 5.79% | 0.00% |
| 7 | U.S. Bank, National Association | 5 | $2.9M | $581K | 5.50% | 0.00% |
| 8 | TD Bank, National Association | 5 | $635K | $127K | 9.23% | 0.00% |
| 9 | KeyBank National Association | 4 | $2.2M | $551K | 5.50% | 0.00% |
| 10 | Brookline Bank, a Division of Beacon Bank and Trust | 4 | $7.6M | $1.9M | 5.63% | 0.00% |
| 11 | Sunflower Bank National Association | 4 | $2.4M | $603K | 5.69% | 0.00% |
| 12 | Truist Bank | 4 | $1.2M | $302K | 4.97% | 0.00% |
| 13 | Centerstone SBA Lending, Inc. | 3 | $4.6M | $1.5M | 6.25% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 3 | $848K | $283K | 8.00% | 0.00% |
| 15 | Capital Bank, National Association | 3 | $5.1M | $1.7M | 5.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 446199. Charge-off rates are calculated on the FY2020–FY2023 cohort only.