Best SBA 7(a) lenders for special needs transportation
The top SBA 7(a) lenders for special needs transportation (NAICS 485991) are The Huntington National Bank, TD 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 330 loans totaling $90.8M to businesses in this industry. Average loan size: $275K. Average rate: 9.49%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 5.92%.
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.