Best SBA 7(a) lenders for lessors of nonresidential buildings (except miniwarehouses)
The top SBA 7(a) lenders for lessors of nonresidential buildings (except miniwarehouses) (NAICS 531120) are Wells Fargo Bank National Association, Harvest Small Business Finance, LLC, The Bancorp Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 896 loans totaling $924.8M to businesses in this industry. Average loan size: $1.0M. Average rate: 6.01%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.35%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 80 | $80.5M | $1.0M | 5.36% | 0.00% |
| 2 | Harvest Small Business Finance, LLC | 46 | $72.3M | $1.6M | 8.43% | 0.00% |
| 3 | The Bancorp Bank National Association | 30 | $51.5M | $1.7M | 6.62% | 0.00% |
| 4 | The Huntington National Bank | 21 | $12.7M | $606K | 7.32% | 0.00% |
| 5 | Enterprise Bank & Trust | 20 | $18.4M | $921K | 5.22% | 0.00% |
| 6 | Byline Bank | 20 | $25.5M | $1.3M | 7.58% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 18 | $5.0M | $276K | 7.49% | 0.00% |
| 8 | U.S. Bank, National Association | 18 | $34.8M | $1.9M | 5.38% | 0.00% |
| 9 | Sunflower Bank National Association | 16 | $19.8M | $1.2M | 4.26% | 6.25% |
| 10 | Live Oak Banking Company | 16 | $21.9M | $1.4M | 6.50% | 0.00% |
| 11 | Columbia Bank | 15 | $10.4M | $697K | 5.50% | 0.00% |
| 12 | Sunwest Bank | 10 | $12.5M | $1.3M | 5.79% | 0.00% |
| 13 | East West Bank | 10 | $15.7M | $1.6M | 5.75% | 0.00% |
| 14 | TD Bank, National Association | 10 | $2.1M | $211K | 7.08% | 0.00% |
| 15 | Citizens Community Federal National Association | 9 | $7.1M | $794K | 5.86% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 531120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.