Best SBA 7(a) lenders for all other miscellaneous food manufacturing
The top SBA 7(a) lenders for all other miscellaneous food manufacturing (NAICS 311999) are BayFirst National Bank, The Huntington National Bank, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 258 loans totaling $157.3M to businesses in this industry. Average loan size: $610K. Average rate: 8.78%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 6.12%.
Loans
258
Total $
$157.3M
Avg loan
$610K
Avg rate
8.78%
Avg term
132 mo
Industry chg-off rate
6.12%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 16 | $2.2M | $136K | 12.27% | 16.67% |
| 2 | The Huntington National Bank | 15 | $1.5M | $98K | 8.15% | 0.00% |
| 3 | Northeast Bank | 14 | $2.8M | $201K | 10.79% | — |
| 4 | Readycap Lending, LLC | 13 | $5.3M | $409K | 13.08% | 0.00% |
| 5 | Celtic Bank Corporation | 9 | $6.0M | $670K | 10.00% | 0.00% |
| 6 | Wells Fargo Bank National Association | 8 | $2.2M | $277K | 9.53% | 25.00% |
| 7 | Cadence Bank | 8 | $3.4M | $419K | 7.91% | 0.00% |
| 8 | Community National Bank | 7 | $1.4M | $198K | 5.25% | 0.00% |
| 9 | Byline Bank | 7 | $8.7M | $1.2M | 6.68% | 33.33% |
| 10 | PNC Bank, National Association | 6 | $4.1M | $683K | 6.83% | 20.00% |
| 11 | U.S. Bank, National Association | 6 | $504K | $84K | 9.46% | 0.00% |
| 12 | Zions Bank, A Division of | 5 | $1.9M | $371K | 6.65% | 0.00% |
| 13 | MISSINGMAINBANKID | 5 | $8.2M | $1.6M | 7.05% | 0.00% |
| 14 | CDC Small Business Finance Corp. | 5 | $550K | $110K | 10.75% | 0.00% |
| 15 | Newtek Bank, National Association | 5 | $1.2M | $245K | 11.85% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 311999. Charge-off rates are calculated on the FY2020–FY2023 cohort only.