Best SBA 7(a) lenders for beer and ale merchant wholesalers
The top SBA 7(a) lenders for beer and ale merchant wholesalers (NAICS 424810) are Manufacturers and Traders Trust Company, Northeast Bank, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 104 loans totaling $63.4M to businesses in this industry. Average loan size: $610K. Average rate: 8.03%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
104
Total $
$63.4M
Avg loan
$610K
Avg rate
8.03%
Avg term
140 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 10 | $2.3M | $227K | 8.05% | 0.00% |
| 2 | Northeast Bank | 6 | $847K | $141K | 11.08% | 0.00% |
| 3 | The Huntington National Bank | 6 | $1.8M | $307K | 6.21% | 0.00% |
| 4 | Newtek Bank, National Association | 5 | $1.4M | $290K | 11.00% | — |
| 5 | Dime Community Bank | 4 | $1.9M | $486K | 7.19% | 0.00% |
| 6 | Western Alliance Bank | 4 | $6.4M | $1.6M | 9.50% | — |
| 7 | American Bank of Commerce | 3 | $198K | $66K | 7.00% | 0.00% |
| 8 | Wilmington Savings Fund Society FSB | 3 | $3.0M | $988K | 8.17% | 0.00% |
| 9 | PNC Bank, National Association | 3 | $577K | $192K | 5.98% | 0.00% |
| 10 | Firstrust Savings Bank | 2 | $2.2M | $1.1M | 5.50% | 0.00% |
| 11 | Bank of America, National Association | 2 | $3.9M | $2.0M | 4.00% | 0.00% |
| 12 | Citizens Bank | 2 | $4.3M | $2.2M | 6.13% | 0.00% |
| 13 | CDC Small Business Finance Corp. | 2 | $250K | $125K | 8.75% | 0.00% |
| 14 | Woori America Bank | 2 | $4.3M | $2.1M | 5.88% | 0.00% |
| 15 | Truist Bank | 2 | $500K | $250K | 5.97% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 424810. Charge-off rates are calculated on the FY2020–FY2023 cohort only.