Best SBA 7(a) lenders for gift, novelty, and souvenir stores
The top SBA 7(a) lenders for gift, novelty, and souvenir stores (NAICS 453220) are TD Bank, National Association, U.S. Bank, National Association, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 219 loans totaling $67.3M to businesses in this industry. Average loan size: $307K. Average rate: 6.93%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.38%.
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.