Best SBA 7(a) lenders for water and sewer line and related structures construction
The top SBA 7(a) lenders for water and sewer line and related structures construction (NAICS 237110) are The Huntington National Bank, U.S. Bank, National Association, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 396 loans totaling $197.8M to businesses in this industry. Average loan size: $500K. Average rate: 8.73%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.47%.
Loans
396
Total $
$197.8M
Avg loan
$500K
Avg rate
8.73%
Avg term
114 mo
Industry chg-off rate
1.47%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 48 | $10.0M | $209K | 8.14% | 3.70% |
| 2 | U.S. Bank, National Association | 25 | $3.6M | $143K | 7.50% | 5.56% |
| 3 | Northeast Bank | 17 | $3.0M | $177K | 10.78% | 0.00% |
| 4 | JPMorgan Chase Bank, National Association | 14 | $2.2M | $157K | 11.90% | 0.00% |
| 5 | Zions Bank, A Division of | 11 | $2.9M | $260K | 10.52% | 0.00% |
| 6 | BayFirst National Bank | 10 | $1.5M | $149K | 12.03% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 9 | $2.0M | $225K | 8.72% | 0.00% |
| 8 | Banner Bank | 9 | $1.3M | $148K | 7.75% | 0.00% |
| 9 | TD Bank, National Association | 9 | $2.0M | $225K | 9.13% | 0.00% |
| 10 | Wells Fargo Bank National Association | 9 | $185K | $21K | 13.00% | 0.00% |
| 11 | Newtek Bank, National Association | 8 | $9.3M | $1.2M | 11.34% | 0.00% |
| 12 | Readycap Lending, LLC | 7 | $2.8M | $404K | 12.50% | — |
| 13 | Columbia Bank | 7 | $200K | $29K | 7.61% | 0.00% |
| 14 | Cadence Bank | 7 | $3.0M | $425K | 9.21% | 0.00% |
| 15 | Glacier Bank | 7 | $1.6M | $229K | 5.78% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 237110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.