Best SBA 7(a) lenders for investment advice
The top SBA 7(a) lenders for investment advice (NAICS 523930) are Byline Bank, Live Oak Banking Company, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 481 loans totaling $362.2M to businesses in this industry. Average loan size: $753K. Average rate: 6.34%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.85%.
Loans
481
Total $
$362.2M
Avg loan
$753K
Avg rate
6.34%
Avg term
128 mo
Industry chg-off rate
0.85%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Byline Bank | 123 | $144.3M | $1.2M | 6.05% | 0.00% |
| 2 | Live Oak Banking Company | 99 | $125.4M | $1.3M | 5.82% | 0.00% |
| 3 | TD Bank, National Association | 38 | $3.5M | $91K | 9.33% | 3.33% |
| 4 | First State Bank Nebraska | 21 | $10.4M | $493K | 6.04% | 0.00% |
| 5 | U.S. Bank, National Association | 19 | $3.6M | $192K | 6.29% | 0.00% |
| 6 | BayFirst National Bank | 15 | $2.7M | $181K | 8.87% | 6.67% |
| 7 | Manufacturers and Traders Trust Company | 10 | $835K | $84K | 8.20% | 0.00% |
| 8 | The Huntington National Bank | 9 | $598K | $66K | 5.42% | 0.00% |
| 9 | Pathward National Association | 9 | $7.8M | $865K | 6.92% | 0.00% |
| 10 | JPMorgan Chase Bank, National Association | 5 | $2.4M | $480K | 9.61% | 0.00% |
| 11 | Capital Bank, National Association | 5 | $994K | $199K | 6.65% | 20.00% |
| 12 | The First Bank and Trust Company | 5 | $1.6M | $310K | 5.55% | 0.00% |
| 13 | Columbia Bank | 4 | $1.3M | $320K | 5.88% | 0.00% |
| 14 | Banner Bank | 4 | $275K | $69K | 5.13% | 0.00% |
| 15 | Cadence Bank | 4 | $1.1M | $269K | 6.00% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 523930. Charge-off rates are calculated on the FY2020–FY2023 cohort only.