Best SBA 7(a) lenders for other clothing stores
The top SBA 7(a) lenders for other clothing stores (NAICS 448190) are U.S. Bank, National Association, The Huntington National Bank, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 295 loans totaling $98.6M to businesses in this industry. Average loan size: $334K. Average rate: 6.76%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.87%.
Loans
295
Total $
$98.6M
Avg loan
$334K
Avg rate
6.76%
Avg term
128 mo
Industry chg-off rate
2.87%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 22 | $1.3M | $58K | 7.31% | 0.00% |
| 2 | The Huntington National Bank | 20 | $1.7M | $83K | 6.13% | 0.00% |
| 3 | TD Bank, National Association | 18 | $1.2M | $67K | 10.31% | 15.38% |
| 4 | BayFirst National Bank | 13 | $2.7M | $209K | 10.42% | 37.50% |
| 5 | Newtek Small Business Finance, Inc. | 10 | $3.9M | $387K | 6.97% | 0.00% |
| 6 | Wells Fargo Bank National Association | 9 | $1.0M | $112K | 8.39% | 11.11% |
| 7 | Community Trust Bank, Inc. | 7 | $765K | $109K | 4.36% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 7 | $483K | $69K | 7.29% | 14.29% |
| 9 | Citizens Bank | 7 | $3.0M | $422K | 5.89% | 0.00% |
| 10 | Bank of America, National Association | 5 | $900K | $180K | 6.11% | 0.00% |
| 11 | Five Star Bank | 5 | $1.2M | $245K | 7.05% | 20.00% |
| 12 | Central Bank | 4 | $853K | $213K | 6.13% | 0.00% |
| 13 | Glacier Bank | 4 | $1.6M | $392K | 5.81% | 0.00% |
| 14 | JPMorgan Chase Bank, National Association | 4 | $310K | $78K | 11.53% | 0.00% |
| 15 | Columbia Bank | 4 | $3.4M | $850K | 5.81% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 448190. Charge-off rates are calculated on the FY2020–FY2023 cohort only.