Best SBA 7(a) lenders for coffee and tea manufacturing
NAICS 311920 — Coffee and Tea Manufacturing.
323 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $90.6M.
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.