Best SBA 7(a) lenders for brick, stone, and related construction material merchant wholesalers
The top SBA 7(a) lenders for brick, stone, and related construction material merchant wholesalers (NAICS 423320) are JPMorgan Chase Bank, National Association, U.S. Bank, National Association, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 183 loans totaling $124.3M to businesses in this industry. Average loan size: $679K. Average rate: 8.86%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.08%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 15 | $3.1M | $205K | 10.96% | 12.50% |
| 2 | U.S. Bank, National Association | 11 | $8.2M | $742K | 7.44% | 0.00% |
| 3 | Northeast Bank | 9 | $1.8M | $204K | 10.61% | — |
| 4 | Manufacturers and Traders Trust Company | 8 | $646K | $81K | 10.15% | 0.00% |
| 5 | TD Bank, National Association | 8 | $860K | $108K | 9.65% | 33.33% |
| 6 | PNC Bank, National Association | 8 | $1.7M | $214K | 7.94% | 16.67% |
| 7 | The Huntington National Bank | 7 | $2.3M | $329K | 9.14% | 0.00% |
| 8 | BayFirst National Bank | 6 | $1,000K | $167K | 12.38% | 0.00% |
| 9 | Celtic Bank Corporation | 5 | $1.6M | $316K | 9.85% | 0.00% |
| 10 | Bank of America, National Association | 5 | $2.1M | $415K | 8.19% | 0.00% |
| 11 | Wells Fargo Bank National Association | 5 | $4.8M | $970K | 10.40% | 0.00% |
| 12 | Old National Bank | 5 | $3.9M | $786K | 4.70% | 0.00% |
| 13 | Newtek Bank, National Association | 5 | $7.2M | $1.4M | 11.30% | 0.00% |
| 14 | Capital One, National Association | 4 | $1.8M | $450K | 11.63% | 0.00% |
| 15 | VisionBank | 3 | $859K | $286K | 5.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 423320. Charge-off rates are calculated on the FY2020–FY2023 cohort only.