Best SBA 7(a) lenders for supermarkets and other grocery (except convenience) stores
The top SBA 7(a) lenders for supermarkets and other grocery (except convenience) stores (NAICS 445110) are The Huntington National Bank, TD Bank, National Association, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 2,323 loans totaling $1.80B to businesses in this industry. Average loan size: $776K. Average rate: 8.32%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.16%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 151 | $63.0M | $417K | 8.34% | 0.00% |
| 2 | TD Bank, National Association | 99 | $20.3M | $205K | 10.06% | 5.45% |
| 3 | U.S. Bank, National Association | 91 | $53.1M | $584K | 7.26% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 75 | $9.8M | $131K | 10.66% | 16.22% |
| 5 | Readycap Lending, LLC | 62 | $77.5M | $1.3M | 10.02% | 0.00% |
| 6 | Bank of Hope | 61 | $69.2M | $1.1M | 7.13% | 0.00% |
| 7 | Metro City Bank | 59 | $104.6M | $1.8M | 5.76% | 1.89% |
| 8 | Newtek Bank, National Association | 46 | $19.7M | $427K | 11.26% | 0.00% |
| 9 | Eastern Bank | 45 | $6.0M | $134K | 10.08% | 8.33% |
| 10 | Northeast Bank | 41 | $6.3M | $154K | 10.91% | 0.00% |
| 11 | KeyBank National Association | 41 | $18.1M | $441K | 8.85% | 0.00% |
| 12 | BayFirst National Bank | 39 | $9.1M | $235K | 11.78% | 0.00% |
| 13 | Commonwealth Business Bank | 37 | $48.9M | $1.3M | 7.15% | 0.00% |
| 14 | Byline Bank | 36 | $52.7M | $1.5M | 7.83% | 3.57% |
| 15 | Wells Fargo Bank National Association | 34 | $17.6M | $519K | 9.04% | 7.14% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 445110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.