Best SBA 7(a) lenders for nursery and tree production
The top SBA 7(a) lenders for nursery and tree production (NAICS 111421) are The Huntington National Bank, Columbia Bank, BayFirst National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 144 loans totaling $83.1M to businesses in this industry. Average loan size: $577K. Average rate: 8.46%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.47%.
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.