Best SBA 7(a) lenders for all other miscellaneous food manufacturing
NAICS 311999 — All Other Miscellaneous Food Manufacturing.
258 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $157.3M.
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.