Best SBA 7(a) lenders for used household and office goods moving
The top SBA 7(a) lenders for used household and office goods moving (NAICS 484210) are The Huntington National Bank, TD Bank, National Association, United Midwest Savings Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 539 loans totaling $224.0M to businesses in this industry. Average loan size: $416K. Average rate: 8.85%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 6.01%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 72 | $15.4M | $214K | 8.65% | 0.00% |
| 2 | TD Bank, National Association | 40 | $3.5M | $87K | 11.12% | 15.79% |
| 3 | United Midwest Savings Bank National Association | 37 | $5.9M | $160K | 6.98% | 21.21% |
| 4 | Northeast Bank | 21 | $3.9M | $187K | 10.55% | 0.00% |
| 5 | Manufacturers and Traders Trust Company | 19 | $1.5M | $78K | 10.77% | 0.00% |
| 6 | BayFirst National Bank | 18 | $6.1M | $337K | 9.82% | 0.00% |
| 7 | First Bank of the Lake | 18 | $9.4M | $524K | 11.29% | 0.00% |
| 8 | Lendistry SBLC, LLC | 15 | $2.9M | $193K | 12.45% | — |
| 9 | Wells Fargo Bank National Association | 15 | $1.4M | $95K | 10.29% | 0.00% |
| 10 | JPMorgan Chase Bank, National Association | 14 | $2.0M | $146K | 10.73% | 0.00% |
| 11 | U.S. Bank, National Association | 12 | $5.3M | $444K | 8.45% | 0.00% |
| 12 | Cadence Bank | 10 | $3.0M | $298K | 9.13% | 0.00% |
| 13 | Readycap Lending, LLC | 7 | $9.7M | $1.4M | 10.36% | 0.00% |
| 14 | Wilmington Savings Fund Society FSB | 7 | $1.8M | $260K | 8.29% | 0.00% |
| 15 | Bank of America, National Association | 6 | $967K | $161K | 8.86% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 484210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.