Best SBA 7(a) lenders for local messengers and local delivery
The top SBA 7(a) lenders for local messengers and local delivery (NAICS 492210) are U.S. Bank, National Association, The Huntington National Bank, Wells Fargo Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 424 loans totaling $183.1M to businesses in this industry. Average loan size: $432K. Average rate: 8.49%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.70%.
Loans
424
Total $
$183.1M
Avg loan
$432K
Avg rate
8.49%
Avg term
108 mo
Industry chg-off rate
3.70%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 55 | $6.4M | $116K | 6.41% | 0.00% |
| 2 | The Huntington National Bank | 36 | $5.1M | $142K | 7.98% | 8.00% |
| 3 | Wells Fargo Bank National Association | 28 | $1.5M | $53K | 10.73% | 15.00% |
| 4 | TD Bank, National Association | 27 | $1.7M | $63K | 10.98% | 0.00% |
| 5 | Readycap Lending, LLC | 12 | $8.5M | $712K | 9.98% | 16.67% |
| 6 | JPMorgan Chase Bank, National Association | 11 | $1.8M | $167K | 9.84% | 0.00% |
| 7 | Northeast Bank | 11 | $1.5M | $133K | 10.84% | — |
| 8 | Celtic Bank Corporation | 10 | $7.0M | $704K | 7.42% | 28.57% |
| 9 | Bank of America, National Association | 10 | $3.4M | $339K | 10.38% | 0.00% |
| 10 | IncredibleBank | 9 | $7.9M | $877K | 6.36% | 0.00% |
| 11 | GBank | 9 | $10.3M | $1.1M | 10.06% | 0.00% |
| 12 | Lendistry SBLC, LLC | 9 | $1.4M | $155K | 12.67% | — |
| 13 | Newtek Small Business Finance, Inc. | 9 | $6.4M | $707K | 6.92% | 0.00% |
| 14 | Zions Bank, A Division of | 8 | $5.3M | $668K | 5.19% | 0.00% |
| 15 | Byline Bank | 8 | $12.3M | $1.5M | 8.91% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 492210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.