Best SBA 7(a) lenders for fruit and vegetable markets
The top SBA 7(a) lenders for fruit and vegetable markets (NAICS 445230) are TD Bank, National Association, BayFirst National Bank, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 123 loans totaling $69.6M to businesses in this industry. Average loan size: $566K. Average rate: 8.35%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.25%.
Loans
123
Total $
$69.6M
Avg loan
$566K
Avg rate
8.35%
Avg term
147 mo
Industry chg-off rate
1.25%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 13 | $1.0M | $79K | 9.66% | 14.29% |
| 2 | BayFirst National Bank | 6 | $999K | $166K | 10.96% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 6 | $1.8M | $294K | 10.67% | 0.00% |
| 4 | The Huntington National Bank | 5 | $543K | $109K | 9.74% | 0.00% |
| 5 | NewBank | 4 | $1.6M | $403K | 6.50% | 0.00% |
| 6 | Pinnacle Bank | 4 | $1.9M | $475K | 5.00% | 0.00% |
| 7 | Village Bank and Trust, National Association | 4 | $3.3M | $828K | 6.19% | 0.00% |
| 8 | Northeast Bank | 4 | $456K | $114K | 10.69% | — |
| 9 | New Millennium Bank | 3 | $3.7M | $1.2M | 7.67% | 0.00% |
| 10 | Banco Popular de Puerto Rico | 3 | $90K | $30K | 11.25% | 0.00% |
| 11 | Bank of Hope | 3 | $766K | $255K | 5.42% | 0.00% |
| 12 | Citizens Bank | 3 | $4.4M | $1.5M | 7.43% | 0.00% |
| 13 | KeyBank National Association | 3 | $160K | $53K | 9.19% | 0.00% |
| 14 | Wells Fargo Bank National Association | 3 | $619K | $206K | 12.17% | 0.00% |
| 15 | Comerica Bank | 2 | $280K | $140K | 7.63% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 445230. Charge-off rates are calculated on the FY2020–FY2023 cohort only.