Best SBA 7(a) lenders for recreational vehicle dealers
The top SBA 7(a) lenders for recreational vehicle dealers (NAICS 441210) are BayFirst National Bank, Newtek Bank, National Association, KeyBank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 167 loans totaling $140.6M to businesses in this industry. Average loan size: $842K. Average rate: 8.03%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.03%.
Loans
167
Total $
$140.6M
Avg loan
$842K
Avg rate
8.03%
Avg term
148 mo
Industry chg-off rate
1.03%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 15 | $2.5M | $163K | 11.55% | 0.00% |
| 2 | Newtek Bank, National Association | 11 | $4.9M | $448K | 11.00% | — |
| 3 | KeyBank National Association | 7 | $4.0M | $570K | 8.93% | 0.00% |
| 4 | Northeast Bank | 7 | $1.4M | $207K | 10.68% | 0.00% |
| 5 | First State Bank Nebraska | 5 | $1.3M | $267K | 6.60% | 0.00% |
| 6 | The Huntington National Bank | 5 | $1.2M | $245K | 7.15% | 0.00% |
| 7 | Old National Bank | 5 | $9.4M | $1.9M | 8.73% | — |
| 8 | Live Oak Banking Company | 4 | $11.2M | $2.8M | 7.19% | 0.00% |
| 9 | Manufacturers and Traders Trust Company | 4 | $325K | $81K | 10.12% | 0.00% |
| 10 | SouthState Bank, National Association | 4 | $2.3M | $584K | 7.13% | 0.00% |
| 11 | TD Bank, National Association | 4 | $2.8M | $699K | 7.22% | 0.00% |
| 12 | Celtic Bank Corporation | 4 | $6.1M | $1.5M | 7.88% | 0.00% |
| 13 | Zions Bank, A Division of | 3 | $585K | $195K | 9.95% | 0.00% |
| 14 | T Bank, National Association | 3 | $2.0M | $666K | 8.33% | 0.00% |
| 15 | Newtek Small Business Finance, Inc. | 3 | $2.3M | $757K | 6.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 441210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.