Best SBA 7(a) lenders for portfolio management
The top SBA 7(a) lenders for portfolio management (NAICS 523920) are Cadence Bank, The Huntington National Bank, The Bancorp Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 77 loans totaling $44.6M to businesses in this industry. Average loan size: $580K. Average rate: 6.09%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
77
Total $
$44.6M
Avg loan
$580K
Avg rate
6.09%
Avg term
138 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 | Cadence Bank | 8 | $2.0M | $248K | 7.16% | 0.00% |
| 2 | The Huntington National Bank | 7 | $2.4M | $338K | 5.61% | 0.00% |
| 3 | The Bancorp Bank National Association | 5 | $4.5M | $901K | 6.10% | 0.00% |
| 4 | U.S. Bank, National Association | 5 | $4.9M | $971K | 5.52% | 0.00% |
| 5 | Live Oak Banking Company | 5 | $3.6M | $722K | 7.53% | 0.00% |
| 6 | BayFirst National Bank | 4 | $725K | $181K | 7.13% | 0.00% |
| 7 | Pathward National Association | 4 | $3.5M | $866K | 6.38% | 0.00% |
| 8 | Genesee Regional Bank | 3 | $158K | $53K | 4.67% | 0.00% |
| 9 | Southern Bank | 2 | $1.7M | $828K | 6.75% | 0.00% |
| 10 | KeyBank National Association | 2 | $1.0M | $500K | 5.75% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 2 | $290K | $145K | 5.88% | 0.00% |
| 12 | CNB St. Louis Bank | 1 | $4.6M | $4.6M | 5.50% | 0.00% |
| 13 | Cache Valley Bank | 1 | $150K | $150K | 5.25% | 0.00% |
| 14 | BMO Bank National Association | 1 | $163K | $163K | 6.00% | 0.00% |
| 15 | BankVista | 1 | $194K | $194K | 5.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 523920. Charge-off rates are calculated on the FY2020–FY2023 cohort only.