Best SBA 7(a) lenders for electronic shopping and mail-order houses
The top SBA 7(a) lenders for electronic shopping and mail-order houses (NAICS 454110) are Wells Fargo Bank National Association, TD Bank, National Association, JPMorgan Chase Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,212 loans totaling $492.9M to businesses in this industry. Average loan size: $407K. Average rate: 7.26%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 5.03%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 243 | $15.5M | $64K | 9.01% | 4.12% |
| 2 | TD Bank, National Association | 148 | $9.9M | $67K | 8.89% | 13.64% |
| 3 | JPMorgan Chase Bank, National Association | 101 | $20.4M | $202K | 7.80% | 3.96% |
| 4 | Newtek Small Business Finance, Inc. | 60 | $19.4M | $324K | 6.65% | 0.00% |
| 5 | U.S. Bank, National Association | 38 | $7.5M | $197K | 6.92% | 2.63% |
| 6 | Five Star Bank | 33 | $11.8M | $358K | 6.18% | 9.09% |
| 7 | Manufacturers and Traders Trust Company | 32 | $5.6M | $174K | 7.05% | 15.63% |
| 8 | The Huntington National Bank | 32 | $6.0M | $189K | 5.73% | 6.25% |
| 9 | FinWise Bank | 31 | $57.1M | $1.8M | 5.80% | 6.45% |
| 10 | Bank of America, National Association | 30 | $12.1M | $405K | 4.23% | 0.00% |
| 11 | Cadence Bank | 26 | $6.9M | $266K | 7.18% | 0.00% |
| 12 | BayFirst National Bank | 25 | $13.6M | $544K | 6.72% | 8.33% |
| 13 | KeyBank National Association | 22 | $7.9M | $359K | 5.89% | 0.00% |
| 14 | Columbia Bank | 20 | $22.7M | $1.1M | 6.20% | 5.00% |
| 15 | CDC Small Business Finance Corp. | 16 | $1.8M | $110K | 7.33% | 12.50% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 454110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.