Best SBA 7(a) lenders for wineries
NAICS 312130 — Wineries.
318 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $187.0M.
Loans
318
Total $
$187.0M
Avg loan
$588K
Avg rate
8.51%
Avg term
159 mo
Industry chg-off rate
1.60%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 22 | $30.5M | $1.4M | 6.59% | 0.00% |
| 2 | Columbia Bank | 14 | $1.7M | $123K | 9.59% | 0.00% |
| 3 | Banner Bank | 12 | $2.2M | $179K | 7.73% | 0.00% |
| 4 | BayFirst National Bank | 12 | $1.6M | $131K | 12.42% | 0.00% |
| 5 | Newtek Bank, National Association | 11 | $5.9M | $540K | 11.32% | 0.00% |
| 6 | Dogwood State Bank | 10 | $5.0M | $505K | 8.50% | 0.00% |
| 7 | The Huntington National Bank | 9 | $725K | $81K | 7.06% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 8 | $1.8M | $228K | 9.39% | 16.67% |
| 9 | Lendistry SBLC, LLC | 7 | $1.2M | $177K | 12.50% | — |
| 10 | Celtic Bank Corporation | 5 | $1.7M | $347K | 8.75% | 0.00% |
| 11 | Univest Bank and Trust Co | 5 | $4.7M | $930K | 9.45% | 0.00% |
| 12 | KeyBank National Association | 5 | $3.7M | $734K | 9.61% | 0.00% |
| 13 | Washington Trust Bank | 4 | $1.9M | $471K | 8.50% | 0.00% |
| 14 | Bank OZK | 4 | $1.0M | $250K | 7.50% | 0.00% |
| 15 | U.S. Bank, National Association | 4 | $155K | $39K | 7.99% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 312130. Charge-off rates are calculated on the FY2020–FY2023 cohort only.