Best SBA 7(a) lenders for other snack food manufacturing
The top SBA 7(a) lenders for other snack food manufacturing (NAICS 311919) are BayFirst National Bank, Northeast Bank, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 125 loans totaling $64.0M to businesses in this industry. Average loan size: $512K. Average rate: 8.79%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 5.13%.
Loans
125
Total $
$64.0M
Avg loan
$512K
Avg rate
8.79%
Avg term
125 mo
Industry chg-off rate
5.13%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 8 | $860K | $107K | 12.38% | 25.00% |
| 2 | Northeast Bank | 7 | $975K | $139K | 10.96% | 0.00% |
| 3 | TD Bank, National Association | 6 | $442K | $74K | 9.68% | 33.33% |
| 4 | First Commonwealth Bank | 5 | $6.1M | $1.2M | 5.60% | 0.00% |
| 5 | BankVista | 5 | $1.5M | $295K | 8.35% | 0.00% |
| 6 | Live Oak Banking Company | 4 | $2.4M | $600K | 8.81% | 0.00% |
| 7 | Newtek Bank, National Association | 4 | $975K | $244K | 12.50% | 0.00% |
| 8 | Wells Fargo Bank National Association | 4 | $1.9M | $484K | 9.03% | 0.00% |
| 9 | The Huntington National Bank | 4 | $422K | $106K | 7.81% | 0.00% |
| 10 | Newtek Small Business Finance, Inc. | 3 | $3.5M | $1.2M | 6.00% | 0.00% |
| 11 | U.S. Bank, National Association | 3 | $46K | $15K | 10.74% | — |
| 12 | BankCherokee | 3 | $454K | $151K | 5.50% | 0.00% |
| 13 | First National Bank Texas | 2 | $1.5M | $738K | 6.00% | 100.00% |
| 14 | Manufacturers and Traders Trust Company | 2 | $270K | $135K | 5.38% | 0.00% |
| 15 | FinWise Bank | 2 | $7.9M | $4.0M | 5.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 311919. Charge-off rates are calculated on the FY2020–FY2023 cohort only.