Best SBA 7(a) lenders for special needs transportation
NAICS 485991 — Special Needs Transportation.
330 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $90.8M.
Loans
330
Total $
$90.8M
Avg loan
$275K
Avg rate
9.49%
Avg term
112 mo
Industry chg-off rate
5.92%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 60 | $4.7M | $78K | 8.81% | 0.00% |
| 2 | TD Bank, National Association | 31 | $1.7M | $54K | 11.24% | 25.00% |
| 3 | U.S. Bank, National Association | 23 | $3.0M | $131K | 8.86% | 12.50% |
| 4 | Wells Fargo Bank National Association | 16 | $235K | $15K | 12.38% | 12.50% |
| 5 | Manufacturers and Traders Trust Company | 14 | $773K | $55K | 11.93% | 50.00% |
| 6 | Northeast Bank | 11 | $1.4M | $131K | 11.07% | — |
| 7 | KeyBank National Association | 9 | $520K | $58K | 9.00% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 8 | $942K | $118K | 12.19% | 25.00% |
| 9 | Celtic Bank Corporation | 8 | $1.2M | $147K | 10.13% | 0.00% |
| 10 | Rockland Trust Company | 7 | $485K | $69K | 7.79% | — |
| 11 | Live Oak Banking Company | 5 | $6.5M | $1.3M | 6.42% | 0.00% |
| 12 | Zions Bank, A Division of | 5 | $525K | $105K | 10.45% | 0.00% |
| 13 | Lendistry SBLC, LLC | 5 | $690K | $138K | 12.70% | — |
| 14 | BayFirst National Bank | 4 | $790K | $197K | 11.63% | 0.00% |
| 15 | WesBanco Bank, Inc. | 4 | $1.0M | $254K | 8.00% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 485991. Charge-off rates are calculated on the FY2020–FY2023 cohort only.