Best SBA 7(a) lenders for environmental consulting services
The top SBA 7(a) lenders for environmental consulting services (NAICS 541620) are U.S. Bank, National Association, Wells Fargo Bank National Association, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 291 loans totaling $125.7M to businesses in this industry. Average loan size: $432K. Average rate: 8.96%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 21 | $8.1M | $384K | 8.46% | 0.00% |
| 2 | Wells Fargo Bank National Association | 18 | $4.7M | $260K | 10.71% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 16 | $1.3M | $84K | 10.91% | 0.00% |
| 4 | The Huntington National Bank | 15 | $3.1M | $208K | 8.03% | 0.00% |
| 5 | JPMorgan Chase Bank, National Association | 11 | $4.1M | $369K | 9.07% | 0.00% |
| 6 | Readycap Lending, LLC | 9 | $2.2M | $240K | 11.64% | 0.00% |
| 7 | TD Bank, National Association | 8 | $943K | $118K | 9.80% | 0.00% |
| 8 | Northeast Bank | 7 | $927K | $132K | 11.14% | — |
| 9 | Zions Bank, A Division of | 7 | $4.2M | $606K | 9.32% | 0.00% |
| 10 | BayFirst National Bank | 6 | $1.3M | $213K | 10.67% | 0.00% |
| 11 | Bank of America, National Association | 6 | $1.9M | $323K | 8.11% | 0.00% |
| 12 | Newtek Bank, National Association | 6 | $4.9M | $817K | 11.67% | 0.00% |
| 13 | Cadence Bank | 5 | $1.9M | $380K | 8.95% | 0.00% |
| 14 | BancFirst | 5 | $642K | $128K | 8.10% | 0.00% |
| 15 | PNC Bank, National Association | 4 | $2.4M | $593K | 8.98% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541620. Charge-off rates are calculated on the FY2020–FY2023 cohort only.