Best SBA 7(a) lenders for other direct selling establishments
NAICS 454390 — Other Direct Selling Establishments.
419 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $198.0M.
Loans
419
Total $
$198.0M
Avg loan
$473K
Avg rate
6.46%
Avg term
136 mo
Industry chg-off rate
3.73%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 29 | $4.6M | $160K | 8.80% | 7.41% |
| 2 | Manufacturers and Traders Trust Company | 18 | $2.4M | $131K | 7.44% | 11.11% |
| 3 | Cadence Bank | 15 | $6.3M | $417K | 6.92% | 0.00% |
| 4 | Five Star Bank | 13 | $3.2M | $243K | 6.25% | 15.38% |
| 5 | TD Bank, National Association | 13 | $3.5M | $270K | 8.90% | 0.00% |
| 6 | The Huntington National Bank | 12 | $3.3M | $272K | 5.63% | 0.00% |
| 7 | Wells Fargo Bank National Association | 12 | $6.0M | $503K | 6.40% | 8.33% |
| 8 | U.S. Bank, National Association | 9 | $1.6M | $179K | 6.59% | 11.11% |
| 9 | Live Oak Banking Company | 9 | $12.9M | $1.4M | 6.83% | 0.00% |
| 10 | Harvest Small Business Finance, LLC | 8 | $4.2M | $521K | 6.53% | 0.00% |
| 11 | First Internet Bank of Indiana | 7 | $6.5M | $927K | 7.54% | 0.00% |
| 12 | Cross River Bank | 7 | $6.3M | $905K | 5.11% | 0.00% |
| 13 | Enterprise Bank & Trust | 6 | $9.2M | $1.5M | 4.71% | 0.00% |
| 14 | Customers Bank | 6 | $1.1M | $188K | 6.21% | 0.00% |
| 15 | Banner Bank | 6 | $2.3M | $380K | 5.58% | 16.67% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 454390. Charge-off rates are calculated on the FY2020–FY2023 cohort only.