Best SBA 7(a) lenders for water supply and irrigation systems
The top SBA 7(a) lenders for water supply and irrigation systems (NAICS 221310) are The Huntington National Bank, United Midwest Savings Bank National Association, Wells Fargo Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 247 loans totaling $115.5M to businesses in this industry. Average loan size: $468K. Average rate: 8.37%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.65%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 21 | $2.0M | $94K | 7.97% | 0.00% |
| 2 | United Midwest Savings Bank National Association | 18 | $2.6M | $146K | 6.69% | 11.76% |
| 3 | Wells Fargo Bank National Association | 12 | $1.8M | $148K | 9.34% | 14.29% |
| 4 | Northeast Bank | 10 | $1.5M | $150K | 11.13% | — |
| 5 | BayFirst National Bank | 7 | $1.1M | $161K | 12.21% | 0.00% |
| 6 | Newtek Bank, National Association | 7 | $8.1M | $1.2M | 10.64% | 0.00% |
| 7 | Eastern Bank | 6 | $998K | $166K | 5.66% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 6 | $853K | $142K | 12.99% | 0.00% |
| 9 | U.S. Bank, National Association | 5 | $4.7M | $931K | 7.44% | 0.00% |
| 10 | Manufacturers and Traders Trust Company | 5 | $475K | $95K | 7.85% | 0.00% |
| 11 | First National Bank of Pennsylvania | 4 | $2.6M | $645K | 9.86% | — |
| 12 | TD Bank, National Association | 4 | $225K | $56K | 9.75% | 0.00% |
| 13 | Readycap Lending, LLC | 4 | $583K | $146K | 10.44% | 0.00% |
| 14 | PNC Bank, National Association | 4 | $428K | $107K | 8.22% | 25.00% |
| 15 | Community Bank & Trust-West Georgia | 3 | $5.6M | $1.9M | 6.00% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 221310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.