Best SBA 7(a) lenders for computer systems design services
The top SBA 7(a) lenders for computer systems design services (NAICS 541512) are JPMorgan Chase Bank, National Association, U.S. Bank, National Association, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,340 loans totaling $575.3M to businesses in this industry. Average loan size: $429K. Average rate: 9.22%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.44%.
Loans
1,340
Total $
$575.3M
Avg loan
$429K
Avg rate
9.22%
Avg term
119 mo
Industry chg-off rate
2.44%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 118 | $33.2M | $282K | 10.06% | 2.04% |
| 2 | U.S. Bank, National Association | 72 | $12.9M | $179K | 8.55% | 4.44% |
| 3 | TD Bank, National Association | 72 | $10.7M | $149K | 10.25% | 2.27% |
| 4 | Bank of America, National Association | 71 | $38.7M | $546K | 8.27% | 0.00% |
| 5 | Manufacturers and Traders Trust Company | 70 | $10.2M | $145K | 9.36% | 6.82% |
| 6 | Northeast Bank | 67 | $10.0M | $150K | 10.99% | 0.00% |
| 7 | BayFirst National Bank | 63 | $10.0M | $159K | 11.36% | 11.11% |
| 8 | Readycap Lending, LLC | 55 | $17.2M | $312K | 12.00% | 0.00% |
| 9 | The Huntington National Bank | 48 | $7.6M | $159K | 8.06% | 0.00% |
| 10 | Newtek Bank, National Association | 46 | $21.9M | $477K | 11.50% | 0.00% |
| 11 | Wells Fargo Bank National Association | 45 | $4.6M | $102K | 9.88% | 5.88% |
| 12 | Celtic Bank Corporation | 44 | $6.7M | $153K | 9.82% | 5.56% |
| 13 | Cadence Bank | 28 | $9.9M | $354K | 8.67% | 0.00% |
| 14 | Live Oak Banking Company | 26 | $41.6M | $1.6M | 8.35% | 0.00% |
| 15 | Newtek Small Business Finance, Inc. | 19 | $23.1M | $1.2M | 7.37% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541512. Charge-off rates are calculated on the FY2020–FY2023 cohort only.