Best SBA 7(a) lenders for vending machine operators
NAICS 454210 — Vending Machine Operators.
276 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $109.7M.
Loans
276
Total $
$109.7M
Avg loan
$397K
Avg rate
6.51%
Avg term
113 mo
Industry chg-off rate
1.84%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | UniBank | 79 | $49.8M | $630K | 6.08% | 0.00% |
| 2 | United Midwest Savings Bank National Association | 67 | $8.7M | $130K | 6.01% | 1.49% |
| 3 | Wells Fargo Bank National Association | 20 | $847K | $42K | 9.31% | 10.00% |
| 4 | Celtic Bank Corporation | 13 | $18.4M | $1.4M | 6.00% | 0.00% |
| 5 | Newtek Small Business Finance, Inc. | 10 | $8.9M | $890K | 7.30% | 0.00% |
| 6 | U.S. Bank, National Association | 7 | $945K | $135K | 5.72% | 0.00% |
| 7 | TD Bank, National Association | 7 | $204K | $29K | 10.54% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 5 | $105K | $21K | 9.17% | 0.00% |
| 9 | The Huntington National Bank | 5 | $632K | $126K | 6.65% | 0.00% |
| 10 | BayFirst National Bank | 3 | $585K | $195K | 8.00% | 0.00% |
| 11 | The Park National Bank | 3 | $311K | $104K | 5.33% | 0.00% |
| 12 | Western Commerce Bank | 3 | $234K | $78K | 4.50% | 0.00% |
| 13 | Fidelity Bank | 2 | $100K | $50K | 6.38% | 0.00% |
| 14 | German American Bank | 2 | $200K | $100K | 5.02% | 0.00% |
| 15 | Small Business Bank | 2 | $65K | $32K | 5.80% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 454210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.