Best SBA 7(a) lenders for paint and wallpaper stores
The top SBA 7(a) lenders for paint and wallpaper stores (NAICS 444120) are Manufacturers and Traders Trust Company, BayFirst National Bank, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 85 loans totaling $33.2M to businesses in this industry. Average loan size: $391K. Average rate: 8.49%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 6.25%.
Loans
85
Total $
$33.2M
Avg loan
$391K
Avg rate
8.49%
Avg term
133 mo
Industry chg-off rate
6.25%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 8 | $441K | $55K | 8.62% | 50.00% |
| 2 | BayFirst National Bank | 5 | $875K | $175K | 11.40% | 0.00% |
| 3 | U.S. Bank, National Association | 5 | $3.6M | $712K | 8.10% | 0.00% |
| 4 | Capital Bank, National Association | 4 | $4.1M | $1.0M | 9.94% | — |
| 5 | Eastern Bank | 4 | $750K | $188K | 7.06% | 0.00% |
| 6 | First Internet Bank of Indiana | 3 | $546K | $182K | 7.17% | 0.00% |
| 7 | First Bank of the Lake | 3 | $2.2M | $727K | 9.92% | 0.00% |
| 8 | Wells Fargo Bank National Association | 3 | $193K | $64K | 11.11% | 0.00% |
| 9 | Cadence Bank | 3 | $650K | $217K | 11.08% | 0.00% |
| 10 | Granite Bank | 2 | $1.9M | $950K | 7.88% | 0.00% |
| 11 | Georgia Banking Company | 2 | $1.2M | $580K | 7.00% | 0.00% |
| 12 | Brookline Bank, a Division of Beacon Bank and Trust | 2 | $500K | $250K | 9.00% | — |
| 13 | Torrington Savings Bank | 2 | $515K | $258K | 4.25% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 2 | $287K | $144K | 6.75% | 0.00% |
| 15 | Newtek Bank, National Association | 2 | $5.2M | $2.6M | 10.63% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 444120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.