Best SBA 7(a) lenders for hobby, toy, and game stores
The top SBA 7(a) lenders for hobby, toy, and game stores (NAICS 451120) are The Huntington National Bank, U.S. Bank, National Association, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 149 loans totaling $37.7M to businesses in this industry. Average loan size: $253K. Average rate: 7.30%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.94%.
Loans
149
Total $
$37.7M
Avg loan
$253K
Avg rate
7.30%
Avg term
127 mo
Industry chg-off rate
2.94%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 21 | $3.1M | $149K | 7.89% | 0.00% |
| 2 | U.S. Bank, National Association | 14 | $2.4M | $172K | 6.73% | 0.00% |
| 3 | TD Bank, National Association | 12 | $935K | $78K | 10.48% | 0.00% |
| 4 | Wells Fargo Bank National Association | 8 | $442K | $55K | 8.25% | 0.00% |
| 5 | Newtek Small Business Finance, Inc. | 6 | $1.9M | $317K | 6.29% | 0.00% |
| 6 | Manufacturers and Traders Trust Company | 5 | $885K | $177K | 7.90% | 20.00% |
| 7 | Readycap Lending, LLC | 4 | $765K | $191K | 9.88% | 33.33% |
| 8 | BayFirst National Bank | 3 | $640K | $213K | 10.08% | 0.00% |
| 9 | PNC Bank, National Association | 3 | $1.2M | $413K | 6.52% | 0.00% |
| 10 | BankVista | 3 | $1.4M | $467K | 5.08% | 0.00% |
| 11 | Heritage Bank of Commerce | 2 | $3.9M | $1.9M | 6.00% | 0.00% |
| 12 | Friend Bank | 2 | $200K | $100K | 6.00% | 0.00% |
| 13 | Legacy Bank & Trust Company | 2 | $906K | $453K | 5.38% | 0.00% |
| 14 | Meridian Bank | 2 | $850K | $425K | 11.13% | — |
| 15 | United Community Bank | 2 | $890K | $445K | 5.88% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 451120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.