Best SBA 7(a) lenders for motorcycle, bicycle, and parts manufacturing
The top SBA 7(a) lenders for motorcycle, bicycle, and parts manufacturing (NAICS 336991) are BMO Bank National Association, Readycap Lending, LLC, Wells Fargo Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 65 loans totaling $29.4M to businesses in this industry. Average loan size: $452K. Average rate: 9.15%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.56%.
Loans
65
Total $
$29.4M
Avg loan
$452K
Avg rate
9.15%
Avg term
119 mo
Industry chg-off rate
2.56%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BMO Bank National Association | 5 | $5.2M | $1.0M | 5.89% | 0.00% |
| 2 | Readycap Lending, LLC | 5 | $900K | $180K | 13.40% | — |
| 3 | Wells Fargo Bank National Association | 4 | $48K | $12K | 12.69% | 0.00% |
| 4 | KeyBank National Association | 3 | $70K | $23K | 13.08% | 0.00% |
| 5 | TD Bank, National Association | 3 | $3.2M | $1.1M | 5.93% | 0.00% |
| 6 | Cadence Bank | 3 | $2.5M | $829K | 9.00% | 0.00% |
| 7 | Northeast Bank | 3 | $340K | $113K | 10.67% | 100.00% |
| 8 | St. Charles Bank & Trust Company, National Association | 2 | $630K | $315K | 7.60% | — |
| 9 | Celtic Bank Corporation | 2 | $1.3M | $656K | 10.88% | 0.00% |
| 10 | Bank of America, National Association | 2 | $1.1M | $536K | 8.10% | 0.00% |
| 11 | Truist Bank | 2 | $1.3M | $647K | 6.00% | 0.00% |
| 12 | Comerica Bank | 2 | $750K | $375K | 5.85% | 0.00% |
| 13 | Manufacturers and Traders Trust Company | 2 | $137K | $68K | 8.38% | 0.00% |
| 14 | Meridian Bank | 2 | $550K | $275K | 10.38% | 0.00% |
| 15 | The Huntington National Bank | 2 | $146K | $73K | 8.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 336991. Charge-off rates are calculated on the FY2020–FY2023 cohort only.