Best SBA 7(a) lenders for confectionery merchant wholesalers
The top SBA 7(a) lenders for confectionery merchant wholesalers (NAICS 424450) are TD Bank, National Association, The Huntington National Bank, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 84 loans totaling $39.8M to businesses in this industry. Average loan size: $474K. Average rate: 9.18%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.00%.
Loans
84
Total $
$39.8M
Avg loan
$474K
Avg rate
9.18%
Avg term
121 mo
Industry chg-off rate
2.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 18 | $6.6M | $364K | 10.70% | 0.00% |
| 2 | The Huntington National Bank | 7 | $904K | $129K | 7.00% | 0.00% |
| 3 | U.S. Bank, National Association | 5 | $858K | $172K | 7.44% | 0.00% |
| 4 | Choice Financial Group | 3 | $1.1M | $382K | 7.33% | 0.00% |
| 5 | BayFirst National Bank | 3 | $258K | $86K | 12.25% | 0.00% |
| 6 | Readycap Lending, LLC | 3 | $361K | $120K | 11.17% | 50.00% |
| 7 | Columbia Bank | 3 | $165K | $55K | 5.67% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 3 | $620K | $207K | 9.95% | 0.00% |
| 9 | Wells Fargo Bank National Association | 3 | $40K | $13K | 11.00% | 0.00% |
| 10 | Newtek Bank, National Association | 2 | $4.8M | $2.4M | 11.00% | — |
| 11 | Newtek Small Business Finance, Inc. | 2 | $497K | $249K | 7.63% | 0.00% |
| 12 | Manufacturers and Traders Trust Company | 2 | $200K | $100K | 9.75% | 0.00% |
| 13 | Fifth Third Bank | 2 | $1.5M | $769K | 7.64% | 0.00% |
| 14 | First Internet Bank of Indiana | 2 | $3.4M | $1.7M | 10.00% | — |
| 15 | Fulton Bank, National Association | 2 | $3.8M | $1.9M | 11.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 424450. Charge-off rates are calculated on the FY2020–FY2023 cohort only.