Best SBA 7(a) lenders for pharmacies and drug stores
The top SBA 7(a) lenders for pharmacies and drug stores (NAICS 446110) are Live Oak Banking Company, First Financial Bank, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 737 loans totaling $553.2M to businesses in this industry. Average loan size: $751K. Average rate: 6.20%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.82%.
Loans
737
Total $
$553.2M
Avg loan
$751K
Avg rate
6.20%
Avg term
134 mo
Industry chg-off rate
1.82%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 97 | $162.2M | $1.7M | 5.49% | 0.00% |
| 2 | First Financial Bank | 57 | $72.6M | $1.3M | 5.62% | 3.51% |
| 3 | TD Bank, National Association | 30 | $5.0M | $166K | 9.23% | 12.50% |
| 4 | Banco Popular de Puerto Rico | 27 | $4.3M | $160K | 8.53% | 0.00% |
| 5 | The Huntington National Bank | 25 | $7.6M | $304K | 5.50% | 0.00% |
| 6 | BayFirst National Bank | 25 | $4.7M | $187K | 10.26% | 13.64% |
| 7 | Byline Bank | 22 | $14.4M | $656K | 6.60% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 22 | $3.8M | $172K | 7.15% | 0.00% |
| 9 | United Community Bank | 20 | $6.3M | $316K | 6.22% | 0.00% |
| 10 | Citizens Bank | 15 | $9.0M | $601K | 6.05% | 13.33% |
| 11 | First-Citizens Bank & Trust Company | 15 | $8.2M | $550K | 5.57% | 0.00% |
| 12 | U.S. Bank, National Association | 14 | $3.6M | $259K | 6.70% | 0.00% |
| 13 | Oriental Bank | 12 | $1.4M | $113K | 6.31% | 0.00% |
| 14 | JPMorgan Chase Bank, National Association | 12 | $4.3M | $362K | 6.69% | 0.00% |
| 15 | Wells Fargo Bank National Association | 12 | $3.2M | $266K | 7.61% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 446110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.