Best SBA 7(a) lenders for jewelry stores
The top SBA 7(a) lenders for jewelry stores (NAICS 448310) are U.S. Bank, National Association, TD 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 243 loans totaling $86.5M to businesses in this industry. Average loan size: $356K. Average rate: 7.02%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.81%.
Loans
243
Total $
$86.5M
Avg loan
$356K
Avg rate
7.02%
Avg term
122 mo
Industry chg-off rate
3.81%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 33 | $1.8M | $54K | 7.25% | 6.06% |
| 2 | TD Bank, National Association | 26 | $1.0M | $39K | 10.03% | 8.33% |
| 3 | The Huntington National Bank | 26 | $3.2M | $124K | 5.83% | 4.00% |
| 4 | Wells Fargo Bank National Association | 17 | $1.8M | $106K | 9.09% | 5.88% |
| 5 | BayFirst National Bank | 10 | $4.8M | $481K | 9.10% | 11.11% |
| 6 | Manufacturers and Traders Trust Company | 9 | $471K | $52K | 8.75% | 0.00% |
| 7 | KeyBank National Association | 8 | $5.1M | $635K | 5.41% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 8 | $2.9M | $356K | 6.93% | 0.00% |
| 9 | Eastern Bank | 7 | $352K | $50K | 6.54% | 28.57% |
| 10 | Newtek Small Business Finance, Inc. | 6 | $1.4M | $234K | 7.00% | 0.00% |
| 11 | Comerica Bank | 5 | $2.7M | $544K | 5.50% | 0.00% |
| 12 | Brookline Bank, a Division of Beacon Bank and Trust | 4 | $680K | $170K | 5.23% | 0.00% |
| 13 | Byline Bank | 4 | $6.0M | $1.5M | 6.00% | 0.00% |
| 14 | Cadence Bank | 3 | $800K | $267K | 7.75% | 0.00% |
| 15 | Millennium Bank | 2 | $2.4M | $1.2M | 6.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 448310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.