Best SBA 7(a) lenders for flower, nursery stock, and florists' supplies merchant wholesalers
The top SBA 7(a) lenders for flower, nursery stock, and florists' supplies merchant wholesalers (NAICS 424930) are BayFirst National Bank, U.S. Bank, National Association, Newtek Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 235 loans totaling $134.2M to businesses in this industry. Average loan size: $571K. Average rate: 9.11%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.65%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 16 | $2.3M | $145K | 11.98% | 16.67% |
| 2 | U.S. Bank, National Association | 14 | $9.3M | $666K | 7.43% | 11.11% |
| 3 | Newtek Bank, National Association | 12 | $10.9M | $911K | 11.71% | 0.00% |
| 4 | TD Bank, National Association | 12 | $2.6M | $220K | 9.43% | 0.00% |
| 5 | Northeast Bank | 11 | $1.4M | $123K | 11.20% | — |
| 6 | Readycap Lending, LLC | 10 | $11.1M | $1.1M | 12.18% | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 10 | $2.0M | $197K | 11.90% | 0.00% |
| 8 | The Huntington National Bank | 10 | $525K | $52K | 9.04% | 0.00% |
| 9 | Live Oak Banking Company | 8 | $12.3M | $1.5M | 8.37% | 0.00% |
| 10 | Manufacturers and Traders Trust Company | 6 | $500K | $83K | 10.12% | 0.00% |
| 11 | Bank of America, National Association | 5 | $2.8M | $561K | 9.78% | 0.00% |
| 12 | Celtic Bank Corporation | 4 | $3.3M | $819K | 7.06% | 0.00% |
| 13 | First Independent Bank | 4 | $125K | $31K | 8.38% | 0.00% |
| 14 | PNC Bank, National Association | 4 | $425K | $106K | 10.91% | 0.00% |
| 15 | Newtek Small Business Finance, Inc. | 4 | $4.9M | $1.2M | 7.63% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 424930. Charge-off rates are calculated on the FY2020–FY2023 cohort only.