Best SBA 7(a) lenders for other scientific and technical consulting services
The top SBA 7(a) lenders for other scientific and technical consulting services (NAICS 541690) are BayFirst National Bank, U.S. Bank, National Association, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 888 loans totaling $296.0M to businesses in this industry. Average loan size: $333K. Average rate: 9.75%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.19%.
Loans
888
Total $
$296.0M
Avg loan
$333K
Avg rate
9.75%
Avg term
117 mo
Industry chg-off rate
2.19%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 70 | $10.5M | $150K | 11.46% | 0.00% |
| 2 | U.S. Bank, National Association | 70 | $3.8M | $54K | 9.82% | 4.17% |
| 3 | Northeast Bank | 68 | $10.4M | $153K | 11.04% | 0.00% |
| 4 | The Huntington National Bank | 65 | $15.6M | $241K | 8.41% | 0.00% |
| 5 | Wells Fargo Bank National Association | 53 | $10.8M | $204K | 10.57% | 3.03% |
| 6 | TD Bank, National Association | 52 | $4.3M | $83K | 10.84% | 12.50% |
| 7 | Readycap Lending, LLC | 49 | $10.4M | $211K | 11.81% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 36 | $9.8M | $272K | 9.81% | 4.17% |
| 9 | JPMorgan Chase Bank, National Association | 31 | $5.9M | $189K | 11.25% | 14.29% |
| 10 | Newtek Bank, National Association | 29 | $13.5M | $467K | 11.39% | 0.00% |
| 11 | Cadence Bank | 18 | $5.6M | $309K | 8.69% | 0.00% |
| 12 | Newtek Small Business Finance, Inc. | 16 | $8.8M | $551K | 8.28% | 0.00% |
| 13 | Bank of America, National Association | 15 | $7.2M | $481K | 8.38% | 0.00% |
| 14 | Five Star Bank | 14 | $3.8M | $270K | 7.14% | 8.33% |
| 15 | Zions Bank, A Division of | 13 | $3.0M | $228K | 10.70% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541690. Charge-off rates are calculated on the FY2020–FY2023 cohort only.