Best SBA 7(a) lenders for software publishers
NAICS 511210 — Software Publishers.
156 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $95.1M.
Loans
156
Total $
$95.1M
Avg loan
$609K
Avg rate
7.22%
Avg term
125 mo
Industry chg-off rate
1.34%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 18 | $5.0M | $276K | 9.26% | 5.88% |
| 2 | JPMorgan Chase Bank, National Association | 11 | $2.5M | $229K | 9.22% | 0.00% |
| 3 | Wells Fargo Bank National Association | 10 | $105K | $11K | 8.70% | 10.00% |
| 4 | TD Bank, National Association | 10 | $324K | $32K | 11.47% | 0.00% |
| 5 | Brookline Bank, a Division of Beacon Bank and Trust | 6 | $3.8M | $636K | 5.50% | 0.00% |
| 6 | Newtek Small Business Finance, Inc. | 5 | $1.5M | $300K | 7.55% | 0.00% |
| 7 | Pinnacle Bank | 5 | $8.5M | $1.7M | 5.80% | 0.00% |
| 8 | U.S. Bank, National Association | 5 | $138K | $28K | 8.55% | 0.00% |
| 9 | Five Star Bank | 5 | $1.3M | $260K | 6.50% | 0.00% |
| 10 | PNC Bank, National Association | 4 | $362K | $91K | 7.09% | 0.00% |
| 11 | KeyBank National Association | 4 | $3.7M | $925K | 5.70% | 0.00% |
| 12 | Cadence Bank | 4 | $1.1M | $273K | 5.94% | 0.00% |
| 13 | The Huntington National Bank | 4 | $1.9M | $465K | 5.69% | 0.00% |
| 14 | Commercial Bank of California | 3 | $2.2M | $722K | 5.25% | 0.00% |
| 15 | Bank of America, National Association | 3 | $525K | $175K | 5.66% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 511210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.