Best SBA 7(a) lenders for software publishers
The top SBA 7(a) lenders for software publishers (NAICS 511210) are BayFirst National Bank, JPMorgan Chase Bank, National Association, Wells Fargo Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 156 loans totaling $95.1M to businesses in this industry. Average loan size: $609K. Average rate: 7.22%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.34%.
Loans
156
Total $
$95.1M
Avg loan
$609K
Avg rate
7.22%
Avg term
125 mo
Industry chg-off rate
1.34%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 18 | $5.0M | $276K | 9.26% | 5.88% |
| 2 | JPMorgan Chase Bank, National Association | 11 | $2.5M | $229K | 9.22% | 0.00% |
| 3 | Wells Fargo Bank National Association | 10 | $105K | $11K | 8.70% | 10.00% |
| 4 | TD Bank, National Association | 10 | $324K | $32K | 11.47% | 0.00% |
| 5 | Brookline Bank, a Division of Beacon Bank and Trust | 6 | $3.8M | $636K | 5.50% | 0.00% |
| 6 | Newtek Small Business Finance, Inc. | 5 | $1.5M | $300K | 7.55% | 0.00% |
| 7 | Pinnacle Bank | 5 | $8.5M | $1.7M | 5.80% | 0.00% |
| 8 | U.S. Bank, National Association | 5 | $138K | $28K | 8.55% | 0.00% |
| 9 | Five Star Bank | 5 | $1.3M | $260K | 6.50% | 0.00% |
| 10 | PNC Bank, National Association | 4 | $362K | $91K | 7.09% | 0.00% |
| 11 | KeyBank National Association | 4 | $3.7M | $925K | 5.70% | 0.00% |
| 12 | Cadence Bank | 4 | $1.1M | $273K | 5.94% | 0.00% |
| 13 | The Huntington National Bank | 4 | $1.9M | $465K | 5.69% | 0.00% |
| 14 | Commercial Bank of California | 3 | $2.2M | $722K | 5.25% | 0.00% |
| 15 | Bank of America, National Association | 3 | $525K | $175K | 5.66% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 511210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.