Best SBA 7(a) lenders for coffee and tea manufacturing
The top SBA 7(a) lenders for coffee and tea manufacturing (NAICS 311920) are The Huntington National Bank, U.S. Bank, National Association, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 323 loans totaling $90.6M to businesses in this industry. Average loan size: $281K. Average rate: 9.07%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.76%.
Loans
323
Total $
$90.6M
Avg loan
$281K
Avg rate
9.07%
Avg term
119 mo
Industry chg-off rate
1.76%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 17 | $2.6M | $150K | 9.59% | 0.00% |
| 2 | U.S. Bank, National Association | 14 | $4.2M | $297K | 8.78% | 0.00% |
| 3 | Northeast Bank | 14 | $2.3M | $166K | 11.45% | 0.00% |
| 4 | Readycap Lending, LLC | 14 | $4.7M | $335K | 12.95% | 0.00% |
| 5 | Manufacturers and Traders Trust Company | 13 | $742K | $57K | 10.50% | 0.00% |
| 6 | Wells Fargo Bank National Association | 10 | $483K | $48K | 11.00% | 0.00% |
| 7 | Columbia Bank | 9 | $283K | $31K | 11.72% | 0.00% |
| 8 | KeyBank National Association | 8 | $4.0M | $497K | 8.31% | 0.00% |
| 9 | Eastern Bank | 7 | $2.5M | $356K | 6.50% | 0.00% |
| 10 | BayFirst National Bank | 7 | $1.1M | $158K | 10.25% | 0.00% |
| 11 | Banco Popular de Puerto Rico | 7 | $801K | $114K | 10.21% | 0.00% |
| 12 | Newtek Bank, National Association | 6 | $1.2M | $199K | 11.38% | — |
| 13 | Pioneer Bank | 5 | $4.1M | $821K | 7.85% | 0.00% |
| 14 | First National Community Bank | 5 | $490K | $98K | 8.15% | 0.00% |
| 15 | Live Oak Banking Company | 5 | $3.1M | $630K | 4.86% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 311920. Charge-off rates are calculated on the FY2020–FY2023 cohort only.