Best SBA 7(a) lenders for wineries
The top SBA 7(a) lenders for wineries (NAICS 312130) are Live Oak Banking Company, Columbia Bank, Banner Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 318 loans totaling $187.0M to businesses in this industry. Average loan size: $588K. Average rate: 8.51%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.60%.
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.