Best SBA 7(a) lenders for custom computer programming services
The top SBA 7(a) lenders for custom computer programming services (NAICS 541511) are Newtek Bank, National Association, U.S. Bank, National Association, BayFirst National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,777 loans totaling $796.3M to businesses in this industry. Average loan size: $448K. Average rate: 9.39%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.25%.
Loans
1,777
Total $
$796.3M
Avg loan
$448K
Avg rate
9.39%
Avg term
119 mo
Industry chg-off rate
2.25%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 204 | $99.6M | $488K | 11.34% | 0.00% |
| 2 | U.S. Bank, National Association | 117 | $13.0M | $111K | 8.48% | 3.80% |
| 3 | BayFirst National Bank | 110 | $20.1M | $182K | 11.25% | 2.13% |
| 4 | Bank of America, National Association | 101 | $42.0M | $416K | 7.98% | 0.00% |
| 5 | TD Bank, National Association | 90 | $9.9M | $110K | 10.77% | 8.89% |
| 6 | Northeast Bank | 86 | $14.9M | $173K | 10.94% | 0.00% |
| 7 | The Huntington National Bank | 80 | $28.2M | $352K | 8.42% | 2.33% |
| 8 | Manufacturers and Traders Trust Company | 80 | $12.6M | $157K | 9.36% | 3.92% |
| 9 | JPMorgan Chase Bank, National Association | 73 | $22.1M | $303K | 10.00% | 0.00% |
| 10 | Readycap Lending, LLC | 71 | $22.3M | $314K | 11.49% | 12.50% |
| 11 | Wells Fargo Bank National Association | 45 | $7.1M | $158K | 9.58% | 3.33% |
| 12 | Newtek Small Business Finance, Inc. | 34 | $18.9M | $557K | 7.64% | 0.00% |
| 13 | Cadence Bank | 33 | $13.8M | $418K | 9.08% | 6.25% |
| 14 | Five Star Bank | 33 | $9.8M | $296K | 6.42% | 3.03% |
| 15 | Lendistry SBLC, LLC | 29 | $6.4M | $222K | 12.45% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541511. Charge-off rates are calculated on the FY2020–FY2023 cohort only.