Best SBA 7(a) lenders for framing contractors
The top SBA 7(a) lenders for framing contractors (NAICS 238130) are The Huntington National Bank, U.S. Bank, National Association, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 267 loans totaling $69.5M to businesses in this industry. Average loan size: $260K. Average rate: 9.51%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.38%.
Loans
267
Total $
$69.5M
Avg loan
$260K
Avg rate
9.51%
Avg term
110 mo
Industry chg-off rate
4.38%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 30 | $1.7M | $58K | 9.04% | 0.00% |
| 2 | U.S. Bank, National Association | 29 | $1.2M | $43K | 9.48% | 8.33% |
| 3 | TD Bank, National Association | 23 | $2.7M | $118K | 10.93% | 10.00% |
| 4 | Columbia Bank | 17 | $4.4M | $257K | 9.49% | 33.33% |
| 5 | JPMorgan Chase Bank, National Association | 15 | $3.9M | $258K | 10.24% | 0.00% |
| 6 | Manufacturers and Traders Trust Company | 13 | $1.1M | $83K | 10.71% | 0.00% |
| 7 | Wells Fargo Bank National Association | 11 | $155K | $14K | 12.57% | 0.00% |
| 8 | Northeast Bank | 7 | $1.4M | $207K | 11.18% | — |
| 9 | Banner Bank | 6 | $758K | $126K | 7.92% | 0.00% |
| 10 | BayFirst National Bank | 6 | $902K | $150K | 11.50% | 0.00% |
| 11 | KeyBank National Association | 6 | $1.9M | $313K | 7.54% | 0.00% |
| 12 | Celtic Bank Corporation | 6 | $598K | $100K | 10.21% | 0.00% |
| 13 | Readycap Lending, LLC | 6 | $892K | $149K | 12.25% | 0.00% |
| 14 | Eastern Bank | 5 | $425K | $85K | 8.85% | 0.00% |
| 15 | Bravera Bank | 4 | $93K | $23K | 5.88% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 238130. Charge-off rates are calculated on the FY2020–FY2023 cohort only.