Best SBA 7(a) lenders for air-conditioning and warm air heating equipment and commercial and ind
The top SBA 7(a) lenders for air-conditioning and warm air heating equipment and commercial and ind (NAICS 333415) are Northeast Bank, Newtek Bank, National Association, OakStar Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 75 loans totaling $49.7M to businesses in this industry. Average loan size: $662K. Average rate: 9.28%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
75
Total $
$49.7M
Avg loan
$662K
Avg rate
9.28%
Avg term
135 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Northeast Bank | 9 | $1.7M | $192K | 10.47% | 0.00% |
| 2 | Newtek Bank, National Association | 5 | $2.2M | $447K | 11.30% | — |
| 3 | OakStar Bank | 4 | $1.4M | $363K | 9.75% | 0.00% |
| 4 | Celtic Bank Corporation | 4 | $440K | $110K | 10.56% | — |
| 5 | Banco Popular de Puerto Rico | 3 | $669K | $223K | 8.17% | 0.00% |
| 6 | Fifth Third Bank | 3 | $2.2M | $727K | 9.78% | — |
| 7 | U.S. Bank, National Association | 3 | $1.2M | $386K | 8.58% | 0.00% |
| 8 | Wells Fargo Bank National Association | 3 | $50K | $17K | 14.33% | 0.00% |
| 9 | Pioneer Bank | 3 | $950K | $317K | 8.50% | — |
| 10 | The American National Bank of Texas | 2 | $720K | $360K | 4.67% | 0.00% |
| 11 | Bank of America, National Association | 2 | $613K | $306K | 9.34% | 0.00% |
| 12 | Pinnacle Bank | 2 | $857K | $429K | 7.75% | 0.00% |
| 13 | Webster Bank National Association | 2 | $4.2M | $2.1M | 8.25% | 0.00% |
| 14 | CalPrivate Bank | 2 | $7.1M | $3.6M | 6.75% | 0.00% |
| 15 | Paradise Bank | 2 | $5.0M | $2.5M | 10.25% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 333415. Charge-off rates are calculated on the FY2020–FY2023 cohort only.