Best SBA 7(a) lenders for local messengers and local delivery
NAICS 492210 — Local Messengers and Local Delivery.
424 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $183.1M.
Loans
424
Total $
$183.1M
Avg loan
$432K
Avg rate
8.49%
Avg term
108 mo
Industry chg-off rate
3.70%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 55 | $6.4M | $116K | 6.41% | 0.00% |
| 2 | The Huntington National Bank | 36 | $5.1M | $142K | 7.98% | 8.00% |
| 3 | Wells Fargo Bank National Association | 28 | $1.5M | $53K | 10.73% | 15.00% |
| 4 | TD Bank, National Association | 27 | $1.7M | $63K | 10.98% | 0.00% |
| 5 | Readycap Lending, LLC | 12 | $8.5M | $712K | 9.98% | 16.67% |
| 6 | JPMorgan Chase Bank, National Association | 11 | $1.8M | $167K | 9.84% | 0.00% |
| 7 | Northeast Bank | 11 | $1.5M | $133K | 10.84% | — |
| 8 | Celtic Bank Corporation | 10 | $7.0M | $704K | 7.42% | 28.57% |
| 9 | Bank of America, National Association | 10 | $3.4M | $339K | 10.38% | 0.00% |
| 10 | IncredibleBank | 9 | $7.9M | $877K | 6.36% | 0.00% |
| 11 | GBank | 9 | $10.3M | $1.1M | 10.06% | 0.00% |
| 12 | Lendistry SBLC, LLC | 9 | $1.4M | $155K | 12.67% | — |
| 13 | Newtek Small Business Finance, Inc. | 9 | $6.4M | $707K | 6.92% | 0.00% |
| 14 | Zions Bank, A Division of | 8 | $5.3M | $668K | 5.19% | 0.00% |
| 15 | Byline Bank | 8 | $12.3M | $1.5M | 8.91% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 492210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.