Best SBA 7(a) lenders for women's clothing stores
The top SBA 7(a) lenders for women's clothing stores (NAICS 448120) are TD Bank, National Association, U.S. Bank, National Association, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 294 loans totaling $63.6M to businesses in this industry. Average loan size: $216K. Average rate: 7.44%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 6.81%.
Loans
294
Total $
$63.6M
Avg loan
$216K
Avg rate
7.44%
Avg term
116 mo
Industry chg-off rate
6.81%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 33 | $1.6M | $48K | 10.69% | 8.33% |
| 2 | U.S. Bank, National Association | 25 | $2.2M | $87K | 7.01% | 4.00% |
| 3 | The Huntington National Bank | 20 | $3.3M | $166K | 6.50% | 16.67% |
| 4 | Manufacturers and Traders Trust Company | 17 | $1.3M | $79K | 7.44% | 0.00% |
| 5 | BayFirst National Bank | 16 | $2.7M | $167K | 9.97% | 18.75% |
| 6 | Wells Fargo Bank National Association | 16 | $1.7M | $105K | 9.03% | 6.25% |
| 7 | JPMorgan Chase Bank, National Association | 9 | $889K | $99K | 10.11% | 22.22% |
| 8 | Bank of Springfield | 6 | $722K | $120K | 5.18% | 0.00% |
| 9 | Readycap Lending, LLC | 6 | $697K | $116K | 9.00% | 0.00% |
| 10 | KeyBank National Association | 5 | $135K | $27K | 5.99% | 0.00% |
| 11 | Wilmington Savings Fund Society FSB | 3 | $1.0M | $333K | 6.75% | 0.00% |
| 12 | Banco Popular de Puerto Rico | 3 | $676K | $225K | 10.00% | 0.00% |
| 13 | Brookline Bank, a Division of Beacon Bank and Trust | 3 | $2.6M | $856K | 6.33% | 0.00% |
| 14 | ESL FCU | 3 | $150K | $50K | 5.25% | 0.00% |
| 15 | Celtic Bank Corporation | 3 | $285K | $95K | 6.50% | 66.67% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 448120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.