Best SBA 7(a) lenders for other building finishing contractors
The top SBA 7(a) lenders for other building finishing contractors (NAICS 238390) 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 957 loans totaling $409.4M to businesses in this industry. Average loan size: $428K. Average rate: 9.13%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.82%.
Loans
957
Total $
$409.4M
Avg loan
$428K
Avg rate
9.13%
Avg term
127 mo
Industry chg-off rate
0.82%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 157 | $37.7M | $240K | 9.04% | 0.00% |
| 2 | U.S. Bank, National Association | 83 | $8.6M | $103K | 8.47% | 0.00% |
| 3 | TD Bank, National Association | 40 | $6.7M | $168K | 10.11% | 4.76% |
| 4 | Wells Fargo Bank National Association | 35 | $16.9M | $482K | 9.72% | 0.00% |
| 5 | Readycap Lending, LLC | 33 | $7.2M | $217K | 11.40% | 0.00% |
| 6 | Northeast Bank | 32 | $6.8M | $214K | 10.63% | 0.00% |
| 7 | BayFirst National Bank | 31 | $5.0M | $163K | 11.83% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 27 | $9.0M | $332K | 9.45% | 0.00% |
| 9 | Live Oak Banking Company | 25 | $23.6M | $945K | 8.96% | 0.00% |
| 10 | Manufacturers and Traders Trust Company | 22 | $2.8M | $127K | 10.40% | 0.00% |
| 11 | Cadence Bank | 15 | $4.7M | $315K | 10.18% | 0.00% |
| 12 | First Internet Bank of Indiana | 15 | $17.4M | $1.2M | 9.95% | 0.00% |
| 13 | Byline Bank | 14 | $18.3M | $1.3M | 7.82% | 10.00% |
| 14 | United Midwest Savings Bank National Association | 14 | $2.0M | $145K | 7.79% | 9.09% |
| 15 | PNC Bank, National Association | 12 | $1.7M | $145K | 10.49% | 14.29% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 238390. Charge-off rates are calculated on the FY2020–FY2023 cohort only.