Best SBA 7(a) lenders for automotive parts and accessories stores
The top SBA 7(a) lenders for automotive parts and accessories stores (NAICS 441310) are U.S. Bank, National Association, The Huntington National Bank, Banco Popular de Puerto Rico, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 374 loans totaling $196.0M to businesses in this industry. Average loan size: $524K. Average rate: 6.30%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.65%.
Loans
374
Total $
$196.0M
Avg loan
$524K
Avg rate
6.30%
Avg term
152 mo
Industry chg-off rate
1.65%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 25 | $12.0M | $478K | 5.94% | 4.00% |
| 2 | The Huntington National Bank | 21 | $5.2M | $250K | 5.71% | 0.00% |
| 3 | Banco Popular de Puerto Rico | 15 | $791K | $53K | 10.23% | 0.00% |
| 4 | Live Oak Banking Company | 13 | $16.5M | $1.3M | 5.93% | 0.00% |
| 5 | TD Bank, National Association | 12 | $2.5M | $205K | 9.73% | 0.00% |
| 6 | BayFirst National Bank | 11 | $2.4M | $220K | 11.05% | 0.00% |
| 7 | Cadence Bank | 11 | $4.1M | $376K | 5.64% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 10 | $2.6M | $260K | 7.13% | 0.00% |
| 9 | Columbia Bank | 8 | $5.0M | $627K | 6.41% | 0.00% |
| 10 | Wells Fargo Bank National Association | 8 | $4.7M | $589K | 8.40% | 0.00% |
| 11 | Oriental Bank | 8 | $504K | $63K | 6.28% | 0.00% |
| 12 | SouthState Bank, National Association | 7 | $2.6M | $370K | 5.75% | 0.00% |
| 13 | JPMorgan Chase Bank, National Association | 6 | $867K | $145K | 8.45% | 0.00% |
| 14 | Celtic Bank Corporation | 6 | $4.6M | $763K | 5.92% | 0.00% |
| 15 | Newtek Small Business Finance, Inc. | 6 | $1.8M | $300K | 7.71% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 441310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.