Best SBA 7(a) lenders for postal service
The top SBA 7(a) lenders for postal service (NAICS 491110) are Live Oak Banking Company, The Huntington National Bank, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 80 loans totaling $22.5M to businesses in this industry. Average loan size: $282K. Average rate: 9.05%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
80
Total $
$22.5M
Avg loan
$282K
Avg rate
9.05%
Avg term
114 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 | Live Oak Banking Company | 12 | $8.3M | $691K | 10.16% | 0.00% |
| 2 | The Huntington National Bank | 10 | $2.2M | $222K | 9.40% | 0.00% |
| 3 | U.S. Bank, National Association | 6 | $168K | $28K | 9.57% | 0.00% |
| 4 | Cadence Bank | 5 | $776K | $155K | 8.60% | 0.00% |
| 5 | Citizens Bank | 4 | $1.2M | $302K | 4.44% | 0.00% |
| 6 | Wells Fargo Bank National Association | 4 | $404K | $101K | 9.93% | 0.00% |
| 7 | TD Bank, National Association | 3 | $265K | $88K | 9.13% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 3 | $186K | $62K | 13.00% | 0.00% |
| 9 | Western Alliance Bank | 3 | $964K | $321K | 9.33% | 0.00% |
| 10 | Commonwealth Business Bank | 2 | $505K | $253K | 7.63% | 0.00% |
| 11 | BayFirst National Bank | 2 | $299K | $149K | 13.00% | — |
| 12 | BancFirst | 1 | $80K | $80K | 5.25% | 0.00% |
| 13 | Camden National Bank | 1 | $10K | $10K | 10.50% | — |
| 14 | Capital One, National Association | 1 | $458K | $458K | 6.63% | — |
| 15 | First Bank of the Lake | 1 | $200K | $200K | 10.75% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 491110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.