Best SBA 7(a) lenders for miscellaneous financial investment activities
The top SBA 7(a) lenders for miscellaneous financial investment activities (NAICS 523999) are BayFirst National Bank, Readycap Lending, LLC, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 163 loans totaling $79.1M to businesses in this industry. Average loan size: $485K. Average rate: 8.41%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.92%.
Loans
163
Total $
$79.1M
Avg loan
$485K
Avg rate
8.41%
Avg term
146 mo
Industry chg-off rate
1.92%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 11 | $1.7M | $155K | 10.95% | 0.00% |
| 2 | Readycap Lending, LLC | 9 | $1.7M | $193K | 12.67% | — |
| 3 | The Huntington National Bank | 9 | $1.9M | $216K | 7.31% | 0.00% |
| 4 | Cadence Bank | 8 | $2.2M | $271K | 7.38% | 0.00% |
| 5 | Newtek Bank, National Association | 8 | $6.7M | $834K | 11.50% | — |
| 6 | BMO Bank National Association | 7 | $7.3M | $1.0M | 4.87% | 14.29% |
| 7 | Manufacturers and Traders Trust Company | 6 | $320K | $53K | 10.92% | 0.00% |
| 8 | Byline Bank | 6 | $4.9M | $816K | 10.79% | 0.00% |
| 9 | Celtic Bank Corporation | 5 | $2.3M | $460K | 9.65% | 0.00% |
| 10 | Enterprise Bank & Trust | 4 | $3.6M | $904K | 4.88% | 0.00% |
| 11 | TD Bank, National Association | 4 | $170K | $43K | 10.76% | 0.00% |
| 12 | Newtek Small Business Finance, Inc. | 3 | $1.8M | $608K | 7.83% | 0.00% |
| 13 | Mountain America FCU | 3 | $947K | $316K | 9.67% | 0.00% |
| 14 | Wells Fargo Bank National Association | 3 | $2.1M | $686K | 5.56% | 0.00% |
| 15 | Five Star Bank | 3 | $350K | $117K | 8.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 523999. Charge-off rates are calculated on the FY2020–FY2023 cohort only.