Best SBA 7(a) lenders for tobacco stores
The top SBA 7(a) lenders for tobacco stores (NAICS 453991) are The Huntington National Bank, Wells Fargo Bank National Association, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 125 loans totaling $40.9M to businesses in this industry. Average loan size: $327K. Average rate: 6.46%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
125
Total $
$40.9M
Avg loan
$327K
Avg rate
6.46%
Avg term
148 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 14 | $2.8M | $200K | 5.75% | 0.00% |
| 2 | Wells Fargo Bank National Association | 8 | $556K | $69K | 8.36% | 0.00% |
| 3 | U.S. Bank, National Association | 7 | $237K | $34K | 6.67% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 6 | $370K | $62K | 8.00% | 0.00% |
| 5 | TD Bank, National Association | 6 | $637K | $106K | 8.93% | 0.00% |
| 6 | Newtek Small Business Finance, Inc. | 6 | $3.2M | $532K | 7.54% | 0.00% |
| 7 | Commonwealth Business Bank | 5 | $1.3M | $269K | 5.70% | 0.00% |
| 8 | BayFirst National Bank | 3 | $553K | $184K | 8.17% | 0.00% |
| 9 | OakStar Bank | 3 | $592K | $197K | 6.50% | 0.00% |
| 10 | GBC International Bank | 3 | $810K | $270K | 6.08% | 0.00% |
| 11 | IncredibleBank | 3 | $2.6M | $874K | 7.50% | 0.00% |
| 12 | Cadence Bank | 2 | $700K | $350K | 6.88% | 0.00% |
| 13 | Arvest Bank | 2 | $100K | $50K | 7.25% | 0.00% |
| 14 | Northeast Bank | 2 | $424K | $212K | 5.25% | 0.00% |
| 15 | American Continental Bank | 2 | $1.3M | $650K | 4.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 453991. Charge-off rates are calculated on the FY2020–FY2023 cohort only.