Best SBA 7(a) lenders for fabricated structural metal manufacturing
The top SBA 7(a) lenders for fabricated structural metal manufacturing (NAICS 332312) are TD Bank, National Association, Columbia Bank, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 322 loans totaling $252.1M to businesses in this industry. Average loan size: $783K. Average rate: 8.32%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.68%.
Loans
322
Total $
$252.1M
Avg loan
$783K
Avg rate
8.32%
Avg term
141 mo
Industry chg-off rate
1.68%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 16 | $2.1M | $134K | 9.11% | 20.00% |
| 2 | Columbia Bank | 13 | $949K | $73K | 7.63% | 0.00% |
| 3 | U.S. Bank, National Association | 12 | $4.4M | $363K | 7.76% | 0.00% |
| 4 | Zions Bank, A Division of | 12 | $5.0M | $421K | 9.55% | 0.00% |
| 5 | KeyBank National Association | 11 | $10.4M | $942K | 6.34% | 0.00% |
| 6 | The Huntington National Bank | 11 | $1.9M | $172K | 8.35% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 10 | $828K | $83K | 10.20% | 0.00% |
| 8 | Newtek Bank, National Association | 10 | $3.7M | $372K | 11.60% | 0.00% |
| 9 | Newtek Small Business Finance, Inc. | 10 | $16.0M | $1.6M | 7.40% | 0.00% |
| 10 | BayFirst National Bank | 8 | $1.1M | $139K | 11.94% | 25.00% |
| 11 | JPMorgan Chase Bank, National Association | 8 | $2.0M | $255K | 9.68% | 0.00% |
| 12 | Banner Bank | 7 | $953K | $136K | 6.78% | 0.00% |
| 13 | Northeast Bank | 7 | $1.1M | $158K | 10.86% | — |
| 14 | Readycap Lending, LLC | 6 | $4.6M | $762K | 11.04% | 0.00% |
| 15 | Wells Fargo Bank National Association | 5 | $1.2M | $231K | 10.46% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 332312. Charge-off rates are calculated on the FY2020–FY2023 cohort only.