Best SBA 7(a) lenders for wine and distilled alcoholic beverage merchant wholesalers
The top SBA 7(a) lenders for wine and distilled alcoholic beverage merchant wholesalers (NAICS 424820) are Northeast Bank, Manufacturers and Traders Trust Company, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 288 loans totaling $98.4M to businesses in this industry. Average loan size: $342K. Average rate: 9.51%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.88%.
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.