Best SBA 7(a) lenders for confectionery and nut stores
The top SBA 7(a) lenders for confectionery and nut stores (NAICS 445292) are The Huntington National Bank, U.S. Bank, National Association, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 190 loans totaling $57.3M to businesses in this industry. Average loan size: $302K. Average rate: 8.75%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.03%.
Loans
190
Total $
$57.3M
Avg loan
$302K
Avg rate
8.75%
Avg term
126 mo
Industry chg-off rate
3.03%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 28 | $3.2M | $115K | 8.33% | 0.00% |
| 2 | U.S. Bank, National Association | 13 | $1.8M | $142K | 7.89% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 9 | $910K | $101K | 11.13% | 0.00% |
| 4 | Northeast Bank | 7 | $1.3M | $192K | 11.36% | — |
| 5 | TD Bank, National Association | 7 | $2.0M | $291K | 10.65% | 40.00% |
| 6 | Newtek Bank, National Association | 6 | $1.6M | $259K | 10.88% | 0.00% |
| 7 | Readycap Lending, LLC | 6 | $1.4M | $226K | 12.17% | 0.00% |
| 8 | Nicolet National Bank | 5 | $3.1M | $611K | 5.80% | 20.00% |
| 9 | BayFirst National Bank | 5 | $750K | $150K | 13.25% | 0.00% |
| 10 | Harvest Small Business Finance, LLC | 4 | $2.3M | $575K | 9.25% | 0.00% |
| 11 | Hancock Whitney Bank | 4 | $472K | $118K | 5.45% | 0.00% |
| 12 | Eastern Bank | 3 | $143K | $48K | 10.07% | — |
| 13 | Exchange Bank | 3 | $1.1M | $376K | 6.33% | 0.00% |
| 14 | KeyBank National Association | 3 | $574K | $191K | 11.31% | — |
| 15 | Lake Michigan CU | 3 | $1.4M | $478K | 6.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 445292. Charge-off rates are calculated on the FY2020–FY2023 cohort only.