Best SBA 7(a) lenders for furniture merchant wholesalers
The top SBA 7(a) lenders for furniture merchant wholesalers (NAICS 423210) are TD Bank, National Association, The Huntington National Bank, BayFirst National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 231 loans totaling $127.5M to businesses in this industry. Average loan size: $552K. Average rate: 8.78%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.32%.
Loans
231
Total $
$127.5M
Avg loan
$552K
Avg rate
8.78%
Avg term
128 mo
Industry chg-off rate
4.32%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 18 | $2.8M | $158K | 10.15% | 15.38% |
| 2 | The Huntington National Bank | 17 | $3.9M | $231K | 9.26% | 0.00% |
| 3 | BayFirst National Bank | 13 | $3.0M | $231K | 11.58% | 14.29% |
| 4 | U.S. Bank, National Association | 12 | $1.4M | $120K | 8.38% | 0.00% |
| 5 | Wells Fargo Bank National Association | 9 | $3.2M | $355K | 8.19% | 0.00% |
| 6 | JPMorgan Chase Bank, National Association | 8 | $3.1M | $390K | 9.87% | 0.00% |
| 7 | Northeast Bank | 8 | $1.6M | $194K | 11.25% | — |
| 8 | Manufacturers and Traders Trust Company | 7 | $690K | $99K | 10.61% | 33.33% |
| 9 | Lendistry SBLC, LLC | 7 | $1.1M | $158K | 12.29% | — |
| 10 | Newtek Bank, National Association | 7 | $2.2M | $313K | 11.50% | — |
| 11 | Old National Bank | 6 | $7.1M | $1.2M | 8.78% | 0.00% |
| 12 | Regions Bank | 5 | $3.3M | $663K | 5.50% | 0.00% |
| 13 | Comerica Bank | 5 | $10.0M | $2.0M | 7.85% | 0.00% |
| 14 | Harvest Small Business Finance, LLC | 4 | $4.4M | $1.1M | 8.13% | 0.00% |
| 15 | Celtic Bank Corporation | 4 | $600K | $150K | 6.81% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 423210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.