Best SBA 7(a) lenders for poured concrete foundation and structure contractors
The top SBA 7(a) lenders for poured concrete foundation and structure contractors (NAICS 238110) are The Huntington National Bank, United Midwest Savings Bank National Association, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,350 loans totaling $447.2M to businesses in this industry. Average loan size: $331K. Average rate: 8.68%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.82%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 195 | $21.0M | $108K | 8.66% | 1.69% |
| 2 | United Midwest Savings Bank National Association | 126 | $18.4M | $146K | 8.47% | 9.09% |
| 3 | U.S. Bank, National Association | 124 | $10.8M | $87K | 9.02% | 1.52% |
| 4 | TD Bank, National Association | 60 | $6.4M | $106K | 10.45% | 9.68% |
| 5 | JPMorgan Chase Bank, National Association | 35 | $5.8M | $165K | 10.86% | 0.00% |
| 6 | Wells Fargo Bank National Association | 30 | $10.7M | $356K | 9.55% | 5.00% |
| 7 | Manufacturers and Traders Trust Company | 29 | $4.1M | $142K | 9.87% | 4.55% |
| 8 | Northeast Bank | 28 | $5.9M | $209K | 10.88% | — |
| 9 | Zions Bank, A Division of | 26 | $4.7M | $182K | 10.09% | 0.00% |
| 10 | Readycap Lending, LLC | 24 | $9.2M | $385K | 11.60% | 0.00% |
| 11 | KeyBank National Association | 23 | $5.1M | $220K | 7.65% | 0.00% |
| 12 | Columbia Bank | 22 | $1.3M | $61K | 11.33% | 0.00% |
| 13 | PNC Bank, National Association | 21 | $2.4M | $113K | 10.83% | 14.29% |
| 14 | Bank of America, National Association | 20 | $8.0M | $401K | 7.30% | 0.00% |
| 15 | Cadence Bank | 14 | $4.9M | $352K | 9.21% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 238110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.