Best SBA 7(a) lenders for roofing, siding, and insulation material merchant wholesalers
The top SBA 7(a) lenders for roofing, siding, and insulation material merchant wholesalers (NAICS 423330) are First Commonwealth Bank, Friend Bank, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 80 loans totaling $49.6M to businesses in this industry. Average loan size: $620K. Average rate: 8.31%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.08%.
Loans
80
Total $
$49.6M
Avg loan
$620K
Avg rate
8.31%
Avg term
127 mo
Industry chg-off rate
2.08%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | First Commonwealth Bank | 5 | $1.3M | $263K | 7.80% | 0.00% |
| 2 | Friend Bank | 5 | $525K | $105K | 4.95% | 0.00% |
| 3 | The Huntington National Bank | 4 | $4.3M | $1.1M | 10.00% | 0.00% |
| 4 | PNC Bank, National Association | 4 | $420K | $105K | 10.24% | 0.00% |
| 5 | United Midwest Savings Bank National Association | 4 | $600K | $150K | 6.00% | 0.00% |
| 6 | Newtek Bank, National Association | 3 | $3.2M | $1.1M | 10.75% | — |
| 7 | Glacier Bank | 3 | $1.3M | $439K | 7.83% | 0.00% |
| 8 | Readycap Lending, LLC | 3 | $297K | $99K | 13.17% | 0.00% |
| 9 | Citizens Bank, National Association | 3 | $2.6M | $858K | 5.25% | 0.00% |
| 10 | Northeast Bank | 3 | $610K | $203K | 10.50% | — |
| 11 | Wells Fargo Bank National Association | 3 | $75K | $25K | 11.42% | 0.00% |
| 12 | American National Bank | 2 | $1.5M | $763K | 4.00% | 0.00% |
| 13 | BOKF, National Association | 2 | $716K | $358K | 4.25% | 0.00% |
| 14 | Old National Bank | 2 | $1.9M | $939K | 5.25% | 0.00% |
| 15 | First Horizon Bank | 2 | $1.1M | $544K | 7.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 423330. Charge-off rates are calculated on the FY2020–FY2023 cohort only.