Best SBA 7(a) lenders for home centers
NAICS 444110 — Home Centers.
106 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $89.5M.
Loans
106
Total $
$89.5M
Avg loan
$844K
Avg rate
8.02%
Avg term
150 mo
Industry chg-off rate
1.45%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 8 | $5.6M | $697K | 11.03% | 0.00% |
| 2 | Newtek Small Business Finance, Inc. | 5 | $3.2M | $643K | 7.45% | 0.00% |
| 3 | The State Bank and Trust Company | 4 | $1.7M | $430K | 6.38% | 0.00% |
| 4 | BayFirst National Bank | 3 | $450K | $150K | 12.92% | — |
| 5 | The Bank of Clovis | 3 | $1.9M | $633K | 5.58% | 0.00% |
| 6 | U.S. Bank, National Association | 3 | $689K | $230K | 8.41% | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 3 | $2.9M | $977K | 8.40% | 0.00% |
| 8 | Truist Bank | 2 | $2.4M | $1.2M | 5.50% | 0.00% |
| 9 | Banco Popular de Puerto Rico | 2 | $1.6M | $787K | 9.88% | 0.00% |
| 10 | Atlantic Union Bank | 2 | $1.5M | $763K | 10.50% | — |
| 11 | Old National Bank | 2 | $4.0M | $2.0M | 4.38% | 0.00% |
| 12 | Readycap Lending, LLC | 2 | $1.9M | $975K | 11.13% | 0.00% |
| 13 | First-Citizens Bank & Trust Company | 2 | $3.1M | $1.6M | 6.92% | 0.00% |
| 14 | Midwest Regional Bank | 2 | $2.4M | $1.2M | 6.00% | 0.00% |
| 15 | Manufacturers and Traders Trust Company | 2 | $1.4M | $706K | 6.63% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 444110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.