Best SBA 7(a) lenders for wine and distilled alcoholic beverage merchant wholesalers
NAICS 424820 — Wine and Distilled Alcoholic Beverage Merchant Wholesalers.
288 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $98.4M.
Loans
288
Total $
$98.4M
Avg loan
$342K
Avg rate
9.51%
Avg term
116 mo
Industry chg-off rate
1.88%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Northeast Bank | 21 | $2.9M | $137K | 10.65% | 0.00% |
| 2 | Manufacturers and Traders Trust Company | 18 | $1.2M | $67K | 11.65% | 0.00% |
| 3 | The Huntington National Bank | 18 | $1.3M | $74K | 9.30% | 0.00% |
| 4 | U.S. Bank, National Association | 14 | $1.2M | $89K | 8.76% | 0.00% |
| 5 | Newtek Bank, National Association | 14 | $7.7M | $548K | 11.32% | 0.00% |
| 6 | TD Bank, National Association | 12 | $930K | $78K | 9.40% | 0.00% |
| 7 | BayFirst National Bank | 11 | $1.6M | $144K | 11.98% | 33.33% |
| 8 | Readycap Lending, LLC | 10 | $1.6M | $160K | 12.22% | 0.00% |
| 9 | JPMorgan Chase Bank, National Association | 9 | $1.1M | $121K | 11.97% | 20.00% |
| 10 | Lendistry SBLC, LLC | 9 | $2.0M | $225K | 12.14% | — |
| 11 | KeyBank National Association | 8 | $2.2M | $277K | 7.58% | 0.00% |
| 12 | Live Oak Banking Company | 7 | $9.0M | $1.3M | 7.32% | 0.00% |
| 13 | Wells Fargo Bank National Association | 7 | $188K | $27K | 11.19% | 0.00% |
| 14 | Banco Popular de Puerto Rico | 6 | $5.2M | $864K | 10.79% | 0.00% |
| 15 | Celtic Bank Corporation | 6 | $704K | $117K | 9.67% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 424820. Charge-off rates are calculated on the FY2020–FY2023 cohort only.