Best SBA 7(a) lenders for miscellaneous financial investment activities
NAICS 523999 — Miscellaneous Financial Investment Activities.
163 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $79.1M.
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.