Best SBA 7(a) lenders for architectural services
The top SBA 7(a) lenders for architectural services (NAICS 541310) are The Huntington National Bank, TD Bank, National Association, JPMorgan Chase Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 776 loans totaling $319.0M to businesses in this industry. Average loan size: $411K. Average rate: 9.22%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.89%.
Loans
776
Total $
$319.0M
Avg loan
$411K
Avg rate
9.22%
Avg term
133 mo
Industry chg-off rate
1.89%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 62 | $14.2M | $229K | 8.13% | 2.56% |
| 2 | TD Bank, National Association | 57 | $5.9M | $104K | 10.55% | 14.29% |
| 3 | JPMorgan Chase Bank, National Association | 43 | $13.4M | $312K | 10.57% | 0.00% |
| 4 | Northeast Bank | 41 | $6.9M | $169K | 10.71% | 0.00% |
| 5 | BayFirst National Bank | 32 | $4.4M | $136K | 11.72% | 0.00% |
| 6 | Readycap Lending, LLC | 32 | $6.7M | $211K | 13.23% | 0.00% |
| 7 | Wells Fargo Bank National Association | 29 | $12.6M | $435K | 9.06% | 0.00% |
| 8 | Newtek Bank, National Association | 28 | $14.6M | $521K | 11.56% | 0.00% |
| 9 | Celtic Bank Corporation | 26 | $4.2M | $162K | 10.36% | 0.00% |
| 10 | U.S. Bank, National Association | 26 | $14.9M | $572K | 7.93% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 18 | $1.4M | $76K | 10.70% | 12.50% |
| 12 | Bank of America, National Association | 16 | $7.9M | $492K | 8.35% | 0.00% |
| 13 | Cadence Bank | 16 | $3.7M | $230K | 9.47% | 0.00% |
| 14 | Columbia Bank | 13 | $9.9M | $758K | 9.62% | 0.00% |
| 15 | Five Star Bank | 13 | $3.3M | $254K | 6.58% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.