Best SBA 7(a) lenders for residential property managers
The top SBA 7(a) lenders for residential property managers (NAICS 531311) are United Midwest Savings Bank National Association, TD Bank, National Association, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,163 loans totaling $391.9M to businesses in this industry. Average loan size: $337K. Average rate: 9.22%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.90%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 181 | $30.4M | $168K | 8.64% | 6.54% |
| 2 | TD Bank, National Association | 115 | $9.4M | $82K | 10.90% | 10.94% |
| 3 | U.S. Bank, National Association | 83 | $16.8M | $202K | 8.32% | 3.64% |
| 4 | The Huntington National Bank | 66 | $13.7M | $208K | 8.27% | 2.56% |
| 5 | BayFirst National Bank | 43 | $7.3M | $170K | 11.34% | 0.00% |
| 6 | Newtek Bank, National Association | 39 | $12.3M | $315K | 11.50% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 38 | $2.0M | $53K | 10.41% | 16.67% |
| 8 | Northeast Bank | 31 | $5.3M | $170K | 10.90% | 0.00% |
| 9 | JPMorgan Chase Bank, National Association | 31 | $2.9M | $95K | 13.23% | 0.00% |
| 10 | Live Oak Banking Company | 30 | $31.9M | $1.1M | 8.54% | 0.00% |
| 11 | Readycap Lending, LLC | 26 | $6.2M | $238K | 12.19% | 0.00% |
| 12 | Celtic Bank Corporation | 22 | $6.6M | $301K | 9.61% | 0.00% |
| 13 | Lendistry SBLC, LLC | 20 | $3.5M | $175K | 12.36% | — |
| 14 | Zions Bank, A Division of | 19 | $3.6M | $190K | 10.08% | 0.00% |
| 15 | Cadence Bank | 19 | $5.8M | $304K | 9.10% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 531311. Charge-off rates are calculated on the FY2020–FY2023 cohort only.