Best SBA 7(a) lenders for other specialized design services
The top SBA 7(a) lenders for other specialized design services (NAICS 541490) are BayFirst National Bank, The Huntington National Bank, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 397 loans totaling $135.2M to businesses in this industry. Average loan size: $341K. Average rate: 9.56%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.95%.
Loans
397
Total $
$135.2M
Avg loan
$341K
Avg rate
9.56%
Avg term
124 mo
Industry chg-off rate
4.95%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 31 | $4.5M | $146K | 12.32% | 0.00% |
| 2 | The Huntington National Bank | 31 | $4.1M | $131K | 9.12% | 7.14% |
| 3 | Northeast Bank | 27 | $4.1M | $150K | 11.11% | 33.33% |
| 4 | JPMorgan Chase Bank, National Association | 20 | $6.2M | $312K | 10.01% | 8.33% |
| 5 | TD Bank, National Association | 19 | $1.1M | $55K | 10.64% | 10.00% |
| 6 | Wells Fargo Bank National Association | 16 | $795K | $50K | 11.36% | 10.00% |
| 7 | Readycap Lending, LLC | 13 | $2.3M | $179K | 11.54% | 20.00% |
| 8 | Manufacturers and Traders Trust Company | 13 | $723K | $56K | 10.52% | 30.00% |
| 9 | Newtek Bank, National Association | 11 | $2.4M | $222K | 11.05% | — |
| 10 | U.S. Bank, National Association | 11 | $2.7M | $244K | 8.42% | 0.00% |
| 11 | Eastern Bank | 9 | $2.3M | $261K | 8.08% | 0.00% |
| 12 | Cadence Bank | 8 | $2.6M | $321K | 9.44% | 0.00% |
| 13 | Celtic Bank Corporation | 7 | $669K | $96K | 10.75% | 0.00% |
| 14 | Banner Bank | 7 | $541K | $77K | 6.54% | 0.00% |
| 15 | Customers Bank | 6 | $5.6M | $936K | 7.13% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541490. Charge-off rates are calculated on the FY2020–FY2023 cohort only.