Best SBA 7(a) lenders for gift, novelty, and souvenir stores
NAICS 453220 — Gift, Novelty, and Souvenir Stores.
219 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $67.3M.
Loans
219
Total $
$67.3M
Avg loan
$307K
Avg rate
6.93%
Avg term
126 mo
Industry chg-off rate
3.38%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 26 | $2.6M | $100K | 10.55% | 11.76% |
| 2 | U.S. Bank, National Association | 18 | $3.9M | $219K | 6.34% | 5.56% |
| 3 | Manufacturers and Traders Trust Company | 12 | $717K | $60K | 8.27% | 9.09% |
| 4 | The Huntington National Bank | 11 | $1.4M | $131K | 5.91% | 0.00% |
| 5 | BayFirst National Bank | 8 | $911K | $114K | 9.38% | 12.50% |
| 6 | Wells Fargo Bank National Association | 8 | $471K | $59K | 9.36% | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 6 | $1.2M | $198K | 6.62% | 0.00% |
| 8 | Columbia Bank | 6 | $2.4M | $401K | 6.75% | 0.00% |
| 9 | Eastern Bank | 5 | $429K | $86K | 6.29% | 0.00% |
| 10 | America First FCU | 3 | $1.3M | $450K | 5.50% | 0.00% |
| 11 | Glacier Bank | 3 | $281K | $94K | 5.25% | 0.00% |
| 12 | Newtek Small Business Finance, Inc. | 3 | $436K | $145K | 6.58% | 0.00% |
| 13 | First National Bank of Omaha | 3 | $708K | $236K | 4.83% | 0.00% |
| 14 | Bank of Hays | 3 | $287K | $96K | 5.50% | 0.00% |
| 15 | Sunrise Banks National Association | 3 | $1.9M | $633K | 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 453220. Charge-off rates are calculated on the FY2020–FY2023 cohort only.