Best SBA 7(a) lenders for optical goods stores
The top SBA 7(a) lenders for optical goods stores (NAICS 446130) are U.S. Bank, National Association, Banco Popular de Puerto Rico, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 88 loans totaling $36.0M to businesses in this industry. Average loan size: $409K. Average rate: 6.79%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.44%.
Loans
88
Total $
$36.0M
Avg loan
$409K
Avg rate
6.79%
Avg term
122 mo
Industry chg-off rate
2.44%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 9 | $3.4M | $374K | 7.00% | 0.00% |
| 2 | Banco Popular de Puerto Rico | 8 | $691K | $86K | 9.25% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 6 | $693K | $115K | 7.04% | 0.00% |
| 4 | TD Bank, National Association | 6 | $1.1M | $192K | 8.11% | 0.00% |
| 5 | First Guaranty Bank | 6 | $3.0M | $504K | 5.25% | 33.33% |
| 6 | The Huntington National Bank | 4 | $5.0M | $1.2M | 7.06% | 0.00% |
| 7 | Oriental Bank | 3 | $369K | $123K | 6.08% | 0.00% |
| 8 | First-Citizens Bank & Trust Company | 3 | $1.1M | $381K | 4.50% | 0.00% |
| 9 | Newtek Small Business Finance, Inc. | 3 | $870K | $290K | 7.75% | 0.00% |
| 10 | United Community Bank | 3 | $1.8M | $586K | 7.17% | 0.00% |
| 11 | BancFirst | 2 | $745K | $373K | 5.75% | 0.00% |
| 12 | Wells Fargo Bank National Association | 2 | $976K | $488K | 4.42% | 0.00% |
| 13 | Meridian Bank | 2 | $1.5M | $752K | 5.50% | 0.00% |
| 14 | Byline Bank | 2 | $800K | $400K | 7.50% | 0.00% |
| 15 | Celtic Bank Corporation | 2 | $586K | $293K | 6.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 446130. Charge-off rates are calculated on the FY2020–FY2023 cohort only.