Best SBA 7(a) lenders for miscellaneous intermediation
The top SBA 7(a) lenders for miscellaneous intermediation (NAICS 523910) are Live Oak Banking Company, Readycap Lending, LLC, BayFirst National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 71 loans totaling $45.9M to businesses in this industry. Average loan size: $646K. Average rate: 8.32%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
71
Total $
$45.9M
Avg loan
$646K
Avg rate
8.32%
Avg term
126 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 | 38 | $35.8M | $943K | 7.63% | 0.00% |
| 2 | Readycap Lending, LLC | 4 | $1.3M | $326K | 10.25% | 0.00% |
| 3 | BayFirst National Bank | 4 | $511K | $128K | 12.19% | 0.00% |
| 4 | TD Bank, National Association | 3 | $255K | $85K | 9.20% | 0.00% |
| 5 | Northeast Bank | 3 | $800K | $267K | 10.58% | — |
| 6 | The Huntington National Bank | 2 | $108K | $54K | 10.25% | — |
| 7 | Bank of the Southwest | 1 | $400K | $400K | 5.25% | 0.00% |
| 8 | CommunityAmerica Federal Credit Union | 1 | $248K | $248K | 10.50% | — |
| 9 | Comerica Bank | 1 | $100K | $100K | 6.50% | 0.00% |
| 10 | Cadence Bank | 1 | $250K | $250K | 11.25% | — |
| 11 | CDC Small Business Finance Corp. | 1 | $150K | $150K | 10.50% | — |
| 12 | Beverly Bank & Trust Company, National Association | 1 | $380K | $380K | 8.50% | — |
| 13 | First State Bank Nebraska | 1 | $1.2M | $1.2M | 7.50% | 0.00% |
| 14 | Five Star Bank | 1 | $90K | $90K | 6.00% | 0.00% |
| 15 | Hanmi Bank | 1 | $977K | $977K | 4.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 523910. Charge-off rates are calculated on the FY2020–FY2023 cohort only.