Best SBA 7(a) lenders for cookie and cracker manufacturing
The top SBA 7(a) lenders for cookie and cracker manufacturing (NAICS 311821) are The Huntington National Bank, Central Bank, Newtek Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 80 loans totaling $35.8M to businesses in this industry. Average loan size: $448K. Average rate: 8.67%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.27%.
Loans
80
Total $
$35.8M
Avg loan
$448K
Avg rate
8.67%
Avg term
114 mo
Industry chg-off rate
2.27%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 13 | $2.1M | $158K | 10.35% | 0.00% |
| 2 | Central Bank | 4 | $11.0M | $2.8M | 9.69% | — |
| 3 | Newtek Bank, National Association | 4 | $2.7M | $675K | 10.63% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 4 | $740K | $185K | 8.94% | 0.00% |
| 5 | ChoiceOne Bank | 3 | $448K | $149K | 7.17% | 0.00% |
| 6 | Readycap Lending, LLC | 3 | $229K | $76K | 11.67% | 50.00% |
| 7 | Midwest Regional Bank | 3 | $1.2M | $391K | 6.00% | 0.00% |
| 8 | Camden National Bank | 3 | $85K | $28K | 8.50% | — |
| 9 | Wells Fargo Bank National Association | 3 | $5.0M | $1.7M | 6.73% | 0.00% |
| 10 | Byline Bank | 2 | $1.9M | $975K | 11.25% | — |
| 11 | Northwest Bank | 2 | $236K | $118K | 8.50% | — |
| 12 | Northeast Bank | 2 | $100K | $50K | 11.25% | — |
| 13 | The First National Bank of Ballinger | 2 | $180K | $90K | 5.13% | 0.00% |
| 14 | The Farmers Bank, Frankfort, Indiana | 2 | $289K | $145K | 9.25% | — |
| 15 | Lendistry SBLC, LLC | 2 | $253K | $126K | 12.75% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 311821. Charge-off rates are calculated on the FY2020–FY2023 cohort only.