Best SBA 7(a) lenders for nursery and tree production
NAICS 111421 — Nursery and Tree Production.
144 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $83.1M.
Loans
144
Total $
$83.1M
Avg loan
$577K
Avg rate
8.46%
Avg term
150 mo
Industry chg-off rate
2.47%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 16 | $6.6M | $413K | 8.59% | 0.00% |
| 2 | Columbia Bank | 6 | $170K | $28K | 7.54% | 20.00% |
| 3 | BayFirst National Bank | 6 | $1.1M | $181K | 10.42% | 0.00% |
| 4 | PlainsCapital Bank | 6 | $10.3M | $1.7M | 8.75% | 0.00% |
| 5 | Newtek Bank, National Association | 5 | $3.5M | $696K | 10.75% | — |
| 6 | First Commonwealth Bank | 5 | $2.1M | $427K | 9.75% | — |
| 7 | Bank of America, National Association | 4 | $650K | $163K | 7.12% | 0.00% |
| 8 | Virginia National Bank | 4 | $3.1M | $774K | 4.75% | 0.00% |
| 9 | Manufacturers and Traders Trust Company | 4 | $386K | $97K | 8.31% | 0.00% |
| 10 | TD Bank, National Association | 4 | $110K | $28K | 11.56% | 0.00% |
| 11 | Readycap Lending, LLC | 4 | $1.3M | $314K | 12.56% | — |
| 12 | Merrimack County Savings Bank | 4 | $2.3M | $571K | 8.29% | — |
| 13 | City National Bank of Florida | 3 | $4.9M | $1.6M | 10.25% | — |
| 14 | Bank of Oak Ridge | 3 | $390K | $130K | 10.75% | 0.00% |
| 15 | Banc of California | 3 | $3.0M | $987K | 6.08% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 111421. Charge-off rates are calculated on the FY2020–FY2023 cohort only.