Best SBA 7(a) lenders for site preparation contractors
NAICS 238910 — Site Preparation Contractors.
2,085 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $776.6M.
Loans
2,085
Total $
$776.6M
Avg loan
$372K
Avg rate
8.63%
Avg term
111 mo
Industry chg-off rate
1.11%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 325 | $51.9M | $160K | 8.11% | 0.00% |
| 2 | U.S. Bank, National Association | 171 | $12.1M | $71K | 9.01% | 1.10% |
| 3 | TD Bank, National Association | 110 | $18.0M | $164K | 10.07% | 3.39% |
| 4 | Manufacturers and Traders Trust Company | 93 | $7.6M | $81K | 10.86% | 0.00% |
| 5 | Northeast Bank | 69 | $13.9M | $201K | 10.65% | 0.00% |
| 6 | Columbia Bank | 44 | $12.6M | $286K | 9.86% | 4.55% |
| 7 | Wells Fargo Bank National Association | 44 | $8.9M | $202K | 10.65% | 3.57% |
| 8 | Zions Bank, A Division of | 38 | $7.5M | $197K | 10.02% | 0.00% |
| 9 | JPMorgan Chase Bank, National Association | 36 | $7.7M | $215K | 10.35% | 0.00% |
| 10 | BayFirst National Bank | 35 | $5.9M | $169K | 11.70% | 7.14% |
| 11 | Banner Bank | 34 | $8.2M | $243K | 8.20% | 0.00% |
| 12 | Readycap Lending, LLC | 34 | $7.6M | $224K | 12.52% | 0.00% |
| 13 | Newtek Small Business Finance, Inc. | 23 | $29.4M | $1.3M | 7.51% | 0.00% |
| 14 | Newtek Bank, National Association | 23 | $17.4M | $756K | 11.07% | 0.00% |
| 15 | Cadence Bank | 23 | $6.3M | $275K | 8.73% | 7.69% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 238910. Charge-off rates are calculated on the FY2020–FY2023 cohort only.