Best SBA 7(a) lenders for apparel accessories and other apparel manufacturing
The top SBA 7(a) lenders for apparel accessories and other apparel manufacturing (NAICS 315990) are Newtek Bank, National Association, The Huntington National Bank, Readycap Lending, LLC, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 356 loans totaling $157.0M to businesses in this industry. Average loan size: $441K. Average rate: 9.56%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.43%.
Loans
356
Total $
$157.0M
Avg loan
$441K
Avg rate
9.56%
Avg term
124 mo
Industry chg-off rate
3.43%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 41 | $11.9M | $290K | 11.49% | 0.00% |
| 2 | The Huntington National Bank | 29 | $3.3M | $116K | 8.70% | 7.14% |
| 3 | Readycap Lending, LLC | 22 | $8.7M | $397K | 12.66% | 0.00% |
| 4 | Wells Fargo Bank National Association | 18 | $3.0M | $166K | 9.94% | 0.00% |
| 5 | Northeast Bank | 15 | $2.9M | $193K | 11.03% | 0.00% |
| 6 | Celtic Bank Corporation | 15 | $5.8M | $389K | 9.62% | 0.00% |
| 7 | BayFirst National Bank | 15 | $1.9M | $127K | 11.97% | 0.00% |
| 8 | U.S. Bank, National Association | 10 | $1.3M | $133K | 7.90% | 0.00% |
| 9 | TD Bank, National Association | 10 | $448K | $45K | 10.63% | 25.00% |
| 10 | JPMorgan Chase Bank, National Association | 9 | $2.1M | $228K | 10.22% | 0.00% |
| 11 | Cadence Bank | 8 | $4.8M | $603K | 9.94% | 0.00% |
| 12 | KeyBank National Association | 7 | $1.9M | $272K | 8.14% | 0.00% |
| 13 | Comerica Bank | 5 | $2.2M | $431K | 4.94% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 5 | $956K | $191K | 8.75% | 0.00% |
| 15 | Manufacturers and Traders Trust Company | 5 | $605K | $121K | 9.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 315990. Charge-off rates are calculated on the FY2020–FY2023 cohort only.