Best SBA 7(a) lenders for nursery and garden centers
The top SBA 7(a) lenders for nursery and garden centers (NAICS 444220) are Newtek Small Business Finance, Inc., TD Bank, National Association, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 199 loans totaling $104.3M to businesses in this industry. Average loan size: $524K. Average rate: 5.85%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.55%.
Loans
199
Total $
$104.3M
Avg loan
$524K
Avg rate
5.85%
Avg term
154 mo
Industry chg-off rate
2.55%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Small Business Finance, Inc. | 9 | $819K | $91K | 10.50% | 11.11% |
| 2 | TD Bank, National Association | 8 | $4.7M | $589K | 7.63% | 0.00% |
| 3 | The Huntington National Bank | 8 | $1.5M | $192K | 6.08% | 0.00% |
| 4 | Wells Fargo Bank National Association | 7 | $6.1M | $872K | 4.91% | 0.00% |
| 5 | U.S. Bank, National Association | 7 | $7.5M | $1.1M | 5.26% | 0.00% |
| 6 | Comerica Bank | 5 | $2.0M | $402K | 5.15% | 0.00% |
| 7 | Plumas Bank | 5 | $3.8M | $754K | 5.30% | 0.00% |
| 8 | Mid Penn Bank | 4 | $3.3M | $825K | 4.25% | 0.00% |
| 9 | Nicolet National Bank | 4 | $2.8M | $708K | 5.06% | 0.00% |
| 10 | Live Oak Banking Company | 3 | $7.0M | $2.3M | 5.67% | 0.00% |
| 11 | The Central Trust Bank | 3 | $324K | $108K | 4.67% | 0.00% |
| 12 | United Prairie Bank | 3 | $710K | $237K | 3.75% | 0.00% |
| 13 | Security Bank USA | 3 | $41K | $14K | 5.33% | 0.00% |
| 14 | Oxford Bank | 3 | $1.2M | $390K | 5.67% | 0.00% |
| 15 | Fifth Third Bank | 3 | $2.7M | $884K | 5.21% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 444220. Charge-off rates are calculated on the FY2020–FY2023 cohort only.