Best SBA 7(a) lenders for floor covering stores
The top SBA 7(a) lenders for floor covering stores (NAICS 442210) are U.S. Bank, National Association, The Huntington National Bank, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 185 loans totaling $113.2M to businesses in this industry. Average loan size: $612K. Average rate: 5.84%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.65%.
Loans
185
Total $
$113.2M
Avg loan
$612K
Avg rate
5.84%
Avg term
155 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 | 15 | $6.8M | $453K | 6.27% | 0.00% |
| 2 | The Huntington National Bank | 14 | $5.5M | $390K | 6.34% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 6 | $1.6M | $265K | 7.17% | 0.00% |
| 4 | Columbia Bank | 6 | $2.6M | $430K | 7.67% | 0.00% |
| 5 | Citizens Bank | 5 | $1.5M | $301K | 5.80% | 20.00% |
| 6 | Harvest Small Business Finance, LLC | 5 | $12.1M | $2.4M | 5.45% | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 5 | $3.4M | $680K | 6.12% | 0.00% |
| 8 | MISSINGMAINBANKID | 4 | $1.1M | $275K | 4.75% | 0.00% |
| 9 | Cadence Bank | 4 | $678K | $170K | 5.63% | 25.00% |
| 10 | BayFirst National Bank | 4 | $1.2M | $296K | 6.63% | 0.00% |
| 11 | Eastern Bank | 3 | $60K | $20K | 6.82% | 0.00% |
| 12 | TD Bank, National Association | 3 | $833K | $278K | 7.37% | 0.00% |
| 13 | PNC Bank, National Association | 3 | $150K | $50K | 8.73% | 0.00% |
| 14 | Wells Fargo Bank National Association | 3 | $2.4M | $785K | 4.93% | 0.00% |
| 15 | Comerica Bank | 3 | $2.2M | $731K | 4.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 442210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.