Best SBA 7(a) lenders for pet care (except veterinary) services
NAICS 812910 — Pet Care (except Veterinary) Services.
2,865 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.41B.
Loans
2,865
Total $
$1.41B
Avg loan
$492K
Avg rate
8.82%
Avg term
152 mo
Industry chg-off rate
1.29%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 468 | $109.8M | $235K | 9.36% | 2.83% |
| 2 | Live Oak Banking Company | 156 | $197.4M | $1.3M | 7.77% | 1.12% |
| 3 | First Financial Bank | 92 | $108.9M | $1.2M | 7.78% | 0.00% |
| 4 | TD Bank, National Association | 82 | $12.3M | $149K | 10.59% | 5.56% |
| 5 | Readycap Lending, LLC | 76 | $38.4M | $505K | 10.91% | 0.00% |
| 6 | Newtek Bank, National Association | 76 | $21.1M | $278K | 11.67% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 73 | $5.4M | $75K | 10.26% | 5.00% |
| 8 | Wells Fargo Bank National Association | 70 | $33.9M | $484K | 9.28% | 1.96% |
| 9 | Northeast Bank | 64 | $6.1M | $95K | 10.93% | 0.00% |
| 10 | First Bank of the Lake | 62 | $51.4M | $829K | 9.65% | 3.70% |
| 11 | U.S. Bank, National Association | 57 | $22.2M | $390K | 8.23% | 3.03% |
| 12 | KeyBank National Association | 51 | $22.7M | $445K | 8.81% | 0.00% |
| 13 | BayFirst National Bank | 48 | $8.5M | $178K | 11.76% | 8.33% |
| 14 | United Midwest Savings Bank National Association | 41 | $6.9M | $168K | 8.63% | 9.52% |
| 15 | Celtic Bank Corporation | 36 | $10.6M | $294K | 9.01% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need and we'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
We never sell your data. You'll be connected only to lenders matching your criteria.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812910. Charge-off rates are calculated on the FY2020–FY2023 cohort only.