Best SBA 7(a) lenders for clothing accessories stores
The top SBA 7(a) lenders for clothing accessories stores (NAICS 448150) are TD Bank, National Association, Manufacturers and Traders Trust Company, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 117 loans totaling $27.0M to businesses in this industry. Average loan size: $230K. Average rate: 7.54%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.60%.
Loans
117
Total $
$27.0M
Avg loan
$230K
Avg rate
7.54%
Avg term
112 mo
Industry chg-off rate
3.60%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 13 | $598K | $46K | 11.07% | 10.00% |
| 2 | Manufacturers and Traders Trust Company | 12 | $346K | $29K | 8.58% | 0.00% |
| 3 | U.S. Bank, National Association | 9 | $473K | $53K | 6.82% | 11.11% |
| 4 | Wells Fargo Bank National Association | 8 | $500K | $62K | 8.90% | 0.00% |
| 5 | JPMorgan Chase Bank, National Association | 5 | $606K | $121K | 9.74% | 0.00% |
| 6 | Cadence Bank | 5 | $1.1M | $230K | 6.75% | 0.00% |
| 7 | Clear Lake Bank & Trust Company | 4 | $160K | $40K | 5.38% | 0.00% |
| 8 | BayFirst National Bank | 4 | $515K | $129K | 11.44% | 0.00% |
| 9 | PNC Bank, National Association | 3 | $648K | $216K | 7.08% | 0.00% |
| 10 | The Huntington National Bank | 3 | $115K | $38K | 6.33% | 0.00% |
| 11 | Newtek Small Business Finance, Inc. | 3 | $174K | $58K | 7.75% | 33.33% |
| 12 | ChoiceOne Bank | 2 | $1.0M | $521K | 9.00% | — |
| 13 | Bank Midwest | 2 | $90K | $45K | 5.38% | 0.00% |
| 14 | Farmers State Bank | 2 | $1.4M | $718K | 4.50% | 0.00% |
| 15 | Webster Bank National Association | 2 | $3.4M | $1.7M | 4.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 448150. Charge-off rates are calculated on the FY2020–FY2023 cohort only.