Best SBA 7(a) lenders for other foundation, structure, and building exterior contractors
The top SBA 7(a) lenders for other foundation, structure, and building exterior contractors (NAICS 238190) are The Huntington National Bank, U.S. Bank, National Association, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 600 loans totaling $191.8M to businesses in this industry. Average loan size: $320K. Average rate: 9.21%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.84%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 87 | $9.6M | $110K | 8.49% | 0.00% |
| 2 | U.S. Bank, National Association | 67 | $3.7M | $55K | 8.50% | 2.27% |
| 3 | Manufacturers and Traders Trust Company | 32 | $2.6M | $83K | 9.63% | 16.67% |
| 4 | TD Bank, National Association | 29 | $3.7M | $126K | 11.10% | 0.00% |
| 5 | Wells Fargo Bank National Association | 25 | $4.0M | $160K | 11.33% | 12.50% |
| 6 | JPMorgan Chase Bank, National Association | 23 | $3.6M | $155K | 11.93% | 0.00% |
| 7 | Northeast Bank | 20 | $4.5M | $223K | 11.22% | 0.00% |
| 8 | Readycap Lending, LLC | 16 | $4.7M | $293K | 12.42% | 0.00% |
| 9 | Newtek Bank, National Association | 14 | $3.6M | $260K | 11.23% | — |
| 10 | BayFirst National Bank | 13 | $3.1M | $241K | 10.62% | 0.00% |
| 11 | Cadence Bank | 9 | $2.3M | $250K | 7.89% | 11.11% |
| 12 | KeyBank National Association | 9 | $1.9M | $216K | 9.14% | 0.00% |
| 13 | Live Oak Banking Company | 9 | $10.5M | $1.2M | 9.57% | 0.00% |
| 14 | PNC Bank, National Association | 9 | $684K | $76K | 10.71% | 0.00% |
| 15 | Zions Bank, A Division of | 8 | $3.1M | $388K | 9.41% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 238190. Charge-off rates are calculated on the FY2020–FY2023 cohort only.