Best SBA 7(a) lenders for women's, children's, and infants' clothing and accessories merchant wh
The top SBA 7(a) lenders for women's, children's, and infants' clothing and accessories merchant wh (NAICS 424330) are TD Bank, National Association, Bank of Hope, JPMorgan Chase Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 171 loans totaling $131.8M to businesses in this industry. Average loan size: $771K. Average rate: 6.71%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 9.58%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 34 | $3.6M | $107K | 9.29% | 13.33% |
| 2 | Bank of Hope | 27 | $12.1M | $446K | 5.55% | 11.11% |
| 3 | JPMorgan Chase Bank, National Association | 12 | $3.0M | $253K | 8.30% | 25.00% |
| 4 | U.S. Bank, National Association | 9 | $13.3M | $1.5M | 5.18% | 11.11% |
| 5 | BayFirst National Bank | 8 | $1.3M | $168K | 8.78% | 12.50% |
| 6 | Zions Bank, A Division of | 6 | $1.1M | $176K | 5.92% | 0.00% |
| 7 | PCB Bank | 6 | $13.1M | $2.2M | 5.00% | 0.00% |
| 8 | Newtek Small Business Finance, Inc. | 5 | $3.6M | $721K | 6.90% | 0.00% |
| 9 | BMO Bank National Association | 4 | $8.6M | $2.1M | 5.00% | 0.00% |
| 10 | Bank of America, National Association | 3 | $500K | $167K | 3.07% | 0.00% |
| 11 | Harvest Small Business Finance, LLC | 3 | $3.2M | $1.1M | 5.75% | 0.00% |
| 12 | Wells Fargo Bank National Association | 3 | $3.3M | $1.1M | 7.37% | 0.00% |
| 13 | Commonwealth Business Bank | 3 | $6.4M | $2.1M | 4.33% | 0.00% |
| 14 | Cadence Bank | 2 | $600K | $300K | 7.50% | 50.00% |
| 15 | Enterprise Bank & Trust | 2 | $2.0M | $993K | 5.88% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 424330. Charge-off rates are calculated on the FY2020–FY2023 cohort only.