Best SBA 7(a) lenders for couriers
The top SBA 7(a) lenders for couriers (NAICS 492110) are TD Bank, National Association, U.S. Bank, National Association, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,100 loans totaling $564.3M to businesses in this industry. Average loan size: $513K. Average rate: 8.83%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.98%.
Loans
1,100
Total $
$564.3M
Avg loan
$513K
Avg rate
8.83%
Avg term
114 mo
Industry chg-off rate
3.98%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 70 | $8.3M | $118K | 10.65% | 3.33% |
| 2 | U.S. Bank, National Association | 62 | $18.5M | $298K | 8.31% | 9.38% |
| 3 | The Huntington National Bank | 49 | $7.1M | $146K | 9.20% | 0.00% |
| 4 | Wells Fargo Bank National Association | 48 | $3.4M | $70K | 10.96% | 11.76% |
| 5 | Readycap Lending, LLC | 47 | $43.1M | $918K | 8.64% | 3.70% |
| 6 | Falcon National Bank | 41 | $32.4M | $790K | 9.37% | 0.00% |
| 7 | BankVista | 41 | $26.6M | $649K | 5.82% | 7.89% |
| 8 | Northeast Bank | 39 | $6.4M | $164K | 10.86% | 25.00% |
| 9 | Manufacturers and Traders Trust Company | 37 | $4.0M | $107K | 10.24% | 22.22% |
| 10 | Celtic Bank Corporation | 35 | $22.5M | $642K | 8.16% | 0.00% |
| 11 | JPMorgan Chase Bank, National Association | 34 | $9.1M | $267K | 11.63% | 0.00% |
| 12 | Byline Bank | 31 | $31.8M | $1.0M | 7.97% | 0.00% |
| 13 | Stearns Bank National Association | 18 | $9.0M | $499K | 8.07% | 0.00% |
| 14 | GBank | 17 | $19.0M | $1.1M | 10.06% | 0.00% |
| 15 | KeyBank National Association | 16 | $5.0M | $309K | 10.29% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 492110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.