Best SBA 7(a) lenders for offices of certified public accountants
The top SBA 7(a) lenders for offices of certified public accountants (NAICS 541211) are Live Oak Banking Company, The Huntington National Bank, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 2,072 loans totaling $1.02B to businesses in this industry. Average loan size: $490K. Average rate: 8.27%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.85%.
Loans
2,072
Total $
$1.02B
Avg loan
$490K
Avg rate
8.27%
Avg term
132 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 | Live Oak Banking Company | 226 | $170.6M | $755K | 7.69% | 0.00% |
| 2 | The Huntington National Bank | 120 | $43.6M | $363K | 8.32% | 0.00% |
| 3 | U.S. Bank, National Association | 108 | $72.4M | $670K | 7.59% | 0.00% |
| 4 | United Midwest Savings Bank National Association | 89 | $76.7M | $862K | 9.97% | 0.00% |
| 5 | TD Bank, National Association | 85 | $12.5M | $147K | 10.38% | 0.00% |
| 6 | JPMorgan Chase Bank, National Association | 53 | $20.4M | $384K | 8.95% | 0.00% |
| 7 | Bank of America, National Association | 48 | $26.0M | $542K | 5.75% | 0.00% |
| 8 | Readycap Lending, LLC | 46 | $10.0M | $217K | 11.57% | 0.00% |
| 9 | Manufacturers and Traders Trust Company | 45 | $6.6M | $148K | 9.69% | 3.70% |
| 10 | Wells Fargo Bank National Association | 45 | $12.6M | $281K | 8.42% | 9.68% |
| 11 | BayFirst National Bank | 43 | $6.5M | $152K | 10.90% | 0.00% |
| 12 | Northeast Bank | 40 | $4.7M | $117K | 10.94% | 0.00% |
| 13 | BMO Bank National Association | 35 | $19.4M | $553K | 5.46% | 0.00% |
| 14 | Cadence Bank | 27 | $7.9M | $292K | 9.62% | 0.00% |
| 15 | PNC Bank, National Association | 27 | $10.1M | $373K | 8.35% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541211. Charge-off rates are calculated on the FY2020–FY2023 cohort only.