Best SBA 7(a) lenders for home centers
The top SBA 7(a) lenders for home centers (NAICS 444110) are Newtek Bank, National Association, Newtek Small Business Finance, Inc., The State Bank and Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 106 loans totaling $89.5M to businesses in this industry. Average loan size: $844K. Average rate: 8.02%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.45%.
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.