Best SBA 7(a) lenders for all other health and personal care stores
The top SBA 7(a) lenders for all other health and personal care stores (NAICS 446199) are United Midwest Savings Bank National Association, The Huntington National Bank, Wells Fargo Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 180 loans totaling $92.2M to businesses in this industry. Average loan size: $512K. Average rate: 6.45%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.95%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 21 | $3.1M | $146K | 6.00% | 19.05% |
| 2 | The Huntington National Bank | 19 | $2.6M | $138K | 6.03% | 0.00% |
| 3 | Wells Fargo Bank National Association | 13 | $2.0M | $157K | 7.93% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 9 | $637K | $71K | 7.66% | 11.11% |
| 5 | BayFirst National Bank | 6 | $1.4M | $229K | 10.92% | 0.00% |
| 6 | Cadence Bank | 6 | $9.7M | $1.6M | 5.79% | 0.00% |
| 7 | U.S. Bank, National Association | 5 | $2.9M | $581K | 5.50% | 0.00% |
| 8 | TD Bank, National Association | 5 | $635K | $127K | 9.23% | 0.00% |
| 9 | KeyBank National Association | 4 | $2.2M | $551K | 5.50% | 0.00% |
| 10 | Brookline Bank, a Division of Beacon Bank and Trust | 4 | $7.6M | $1.9M | 5.63% | 0.00% |
| 11 | Sunflower Bank National Association | 4 | $2.4M | $603K | 5.69% | 0.00% |
| 12 | Truist Bank | 4 | $1.2M | $302K | 4.97% | 0.00% |
| 13 | Centerstone SBA Lending, Inc. | 3 | $4.6M | $1.5M | 6.25% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 3 | $848K | $283K | 8.00% | 0.00% |
| 15 | Capital Bank, National Association | 3 | $5.1M | $1.7M | 5.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 446199. Charge-off rates are calculated on the FY2020–FY2023 cohort only.