Best SBA 7(a) lenders for all other miscellaneous store retailers (except tobacco stores)
NAICS 453998 — All Other Miscellaneous Store Retailers (except Tobacco Stores).
667 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $279.5M.
Loans
667
Total $
$279.5M
Avg loan
$419K
Avg rate
6.36%
Avg term
132 mo
Industry chg-off rate
3.41%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 73 | $13.9M | $190K | 5.92% | 4.29% |
| 2 | U.S. Bank, National Association | 43 | $5.4M | $126K | 6.72% | 4.65% |
| 3 | Wells Fargo Bank National Association | 35 | $3.6M | $102K | 8.24% | 8.57% |
| 4 | Cadence Bank | 29 | $9.1M | $313K | 6.21% | 6.90% |
| 5 | Manufacturers and Traders Trust Company | 26 | $3.9M | $150K | 7.35% | 13.04% |
| 6 | TD Bank, National Association | 22 | $1.7M | $77K | 9.01% | 11.76% |
| 7 | BayFirst National Bank | 19 | $4.2M | $221K | 9.08% | 5.56% |
| 8 | Live Oak Banking Company | 14 | $20.9M | $1.5M | 5.79% | 0.00% |
| 9 | Celtic Bank Corporation | 9 | $4.1M | $457K | 6.81% | 11.11% |
| 10 | Banner Bank | 9 | $3.0M | $330K | 5.86% | 0.00% |
| 11 | Newtek Small Business Finance, Inc. | 7 | $1.7M | $239K | 6.89% | 0.00% |
| 12 | Five Star Bank | 7 | $943K | $135K | 6.50% | 0.00% |
| 13 | FinWise Bank | 7 | $19.0M | $2.7M | 5.64% | 0.00% |
| 14 | Columbia Bank | 7 | $5.1M | $735K | 5.39% | 0.00% |
| 15 | SouthState Bank, National Association | 7 | $7.2M | $1.0M | 6.64% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 453998. Charge-off rates are calculated on the FY2020–FY2023 cohort only.