Best SBA 7(a) lenders for soil preparation, planting, and cultivating
The top SBA 7(a) lenders for soil preparation, planting, and cultivating (NAICS 115112) are The Huntington National Bank, Manufacturers and Traders Trust Company, Red River State Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 136 loans totaling $60.9M to businesses in this industry. Average loan size: $448K. Average rate: 7.82%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.18%.
Loans
136
Total $
$60.9M
Avg loan
$448K
Avg rate
7.82%
Avg term
113 mo
Industry chg-off rate
1.18%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 7 | $866K | $124K | 7.11% | 0.00% |
| 2 | Manufacturers and Traders Trust Company | 6 | $444K | $74K | 9.38% | 0.00% |
| 3 | Red River State Bank | 5 | $1.1M | $216K | 4.35% | 0.00% |
| 4 | Wells Fargo Bank National Association | 4 | $1.1M | $266K | 11.30% | 50.00% |
| 5 | Stearns Bank National Association | 4 | $5.1M | $1.3M | 7.88% | 0.00% |
| 6 | BayFirst National Bank | 3 | $1.9M | $633K | 9.92% | 0.00% |
| 7 | First State Bank Nebraska | 3 | $1.6M | $533K | 7.83% | 0.00% |
| 8 | Dream First Bank National Association | 3 | $1.0M | $335K | 6.88% | 0.00% |
| 9 | U.S. Bank, National Association | 3 | $580K | $193K | 6.94% | 0.00% |
| 10 | Newtek Bank, National Association | 3 | $5.8M | $1.9M | 11.33% | — |
| 11 | Banc of California | 3 | $1.9M | $649K | 5.83% | 0.00% |
| 12 | Regions Bank | 3 | $4.4M | $1.5M | 4.51% | 0.00% |
| 13 | Banner Bank | 2 | $310K | $155K | 7.00% | 0.00% |
| 14 | Arvest Bank | 2 | $134K | $67K | 8.25% | 0.00% |
| 15 | Citizens Bank & Trust Co | 2 | $1.0M | $500K | 6.88% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 115112. Charge-off rates are calculated on the FY2020–FY2023 cohort only.