Best SBA 7(a) lenders for distilleries
The top SBA 7(a) lenders for distilleries (NAICS 312140) are The Huntington National Bank, Dogwood State Bank, Newtek Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 264 loans totaling $189.2M to businesses in this industry. Average loan size: $717K. Average rate: 8.18%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.19%.
Loans
264
Total $
$189.2M
Avg loan
$717K
Avg rate
8.18%
Avg term
139 mo
Industry chg-off rate
1.19%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 18 | $2.9M | $160K | 9.36% | 14.29% |
| 2 | Dogwood State Bank | 16 | $12.8M | $802K | 8.45% | 0.00% |
| 3 | Newtek Bank, National Association | 11 | $6.9M | $630K | 11.30% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 10 | $4.9M | $490K | 8.63% | 0.00% |
| 5 | Live Oak Banking Company | 9 | $16.5M | $1.8M | 7.69% | 0.00% |
| 6 | Readycap Lending, LLC | 6 | $1.9M | $321K | 12.33% | 0.00% |
| 7 | KeyBank National Association | 5 | $1.6M | $323K | 6.05% | 0.00% |
| 8 | United Community Bank | 5 | $1.5M | $292K | 6.70% | 0.00% |
| 9 | Northeast Bank | 5 | $1.1M | $219K | 10.85% | — |
| 10 | Newtek Small Business Finance, Inc. | 4 | $8.0M | $2.0M | 8.06% | 0.00% |
| 11 | Columbia Bank | 4 | $1.2M | $305K | 10.25% | 0.00% |
| 12 | First Commonwealth Bank | 4 | $5.3M | $1.3M | 6.31% | 0.00% |
| 13 | Celtic Bank Corporation | 4 | $4.1M | $1.0M | 7.31% | 0.00% |
| 14 | Washington Trust Bank | 4 | $1.9M | $485K | 8.44% | 0.00% |
| 15 | Zions Bank, A Division of | 4 | $421K | $105K | 10.88% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 312140. Charge-off rates are calculated on the FY2020–FY2023 cohort only.