Best SBA 7(a) lenders for gasoline stations with convenience stores
The top SBA 7(a) lenders for gasoline stations with convenience stores (NAICS 447110) are Celtic Bank Corporation, Metro City Bank, Wallis Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,776 loans totaling $2.58B to businesses in this industry. Average loan size: $1.5M. Average rate: 5.40%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.29%.
Loans
1,776
Total $
$2.58B
Avg loan
$1.5M
Avg rate
5.40%
Avg term
262 mo
Industry chg-off rate
0.29%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Celtic Bank Corporation | 104 | $206.6M | $2.0M | 5.87% | 0.00% |
| 2 | Metro City Bank | 101 | $152.9M | $1.5M | 4.59% | 0.00% |
| 3 | Wallis Bank | 78 | $147.6M | $1.9M | 5.15% | 0.00% |
| 4 | Commonwealth Business Bank | 67 | $117.1M | $1.7M | 4.99% | 0.00% |
| 5 | Readycap Lending, LLC | 67 | $119.6M | $1.8M | 5.25% | 0.00% |
| 6 | Byline Bank | 56 | $67.2M | $1.2M | 6.00% | 1.79% |
| 7 | Open Bank | 54 | $102.8M | $1.9M | 4.98% | 1.85% |
| 8 | PCB Bank | 49 | $103.0M | $2.1M | 4.92% | 0.00% |
| 9 | TD Bank, National Association | 45 | $12.5M | $277K | 8.40% | 2.56% |
| 10 | Citizens Bank | 43 | $54.3M | $1.3M | 5.38% | 0.00% |
| 11 | HomeTrust Bank | 35 | $41.7M | $1.2M | 5.21% | 0.00% |
| 12 | The MINT National Bank | 32 | $64.4M | $2.0M | 5.40% | 0.00% |
| 13 | Enterprise Bank & Trust | 29 | $41.7M | $1.4M | 5.41% | 0.00% |
| 14 | The Huntington National Bank | 28 | $33.1M | $1.2M | 5.49% | 0.00% |
| 15 | Bank of Hope | 27 | $53.9M | $2.0M | 5.04% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 447110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.