Best SBA 7(a) lenders for family clothing stores
The top SBA 7(a) lenders for family clothing stores (NAICS 448140) are The Huntington National Bank, TD Bank, National Association, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 114 loans totaling $33.8M to businesses in this industry. Average loan size: $297K. Average rate: 6.90%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.46%.
Loans
114
Total $
$33.8M
Avg loan
$297K
Avg rate
6.90%
Avg term
126 mo
Industry chg-off rate
4.46%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 12 | $1.3M | $109K | 6.13% | 8.33% |
| 2 | TD Bank, National Association | 12 | $1.2M | $101K | 9.13% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 9 | $500K | $56K | 8.14% | 11.11% |
| 4 | U.S. Bank, National Association | 8 | $1.2M | $149K | 7.03% | 0.00% |
| 5 | Wells Fargo Bank National Association | 8 | $98K | $12K | 8.38% | 12.50% |
| 6 | BayFirst National Bank | 4 | $440K | $110K | 9.56% | 25.00% |
| 7 | Bank of Hope | 3 | $450K | $150K | 5.33% | 0.00% |
| 8 | Hancock Whitney Bank | 2 | $464K | $232K | 6.13% | 0.00% |
| 9 | KeyBank National Association | 2 | $55K | $28K | 6.21% | 0.00% |
| 10 | Five Star Bank | 2 | $675K | $338K | 6.88% | 0.00% |
| 11 | Bank of America, National Association | 2 | $1.5M | $751K | 5.25% | 0.00% |
| 12 | Banner Bank | 2 | $117K | $59K | 6.00% | 0.00% |
| 13 | Citizens Bank | 2 | $1.8M | $877K | 5.50% | 0.00% |
| 14 | Webster Bank National Association | 2 | $350K | $175K | 8.00% | — |
| 15 | JPMorgan Chase Bank, National Association | 2 | $531K | $266K | 9.57% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 448140. Charge-off rates are calculated on the FY2020–FY2023 cohort only.