Best SBA 7(a) lenders for advertising agencies
The top SBA 7(a) lenders for advertising agencies (NAICS 541810) are Newtek Bank, National Association, Readycap Lending, LLC, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,037 loans totaling $492.2M to businesses in this industry. Average loan size: $475K. Average rate: 9.64%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.50%.
Loans
1,037
Total $
$492.2M
Avg loan
$475K
Avg rate
9.64%
Avg term
121 mo
Industry chg-off rate
4.50%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 97 | $48.9M | $504K | 11.60% | 0.00% |
| 2 | Readycap Lending, LLC | 69 | $14.7M | $213K | 12.42% | 0.00% |
| 3 | Northeast Bank | 58 | $11.6M | $200K | 10.95% | 0.00% |
| 4 | The Huntington National Bank | 56 | $28.2M | $503K | 8.82% | 0.00% |
| 5 | TD Bank, National Association | 50 | $7.6M | $151K | 10.72% | 4.55% |
| 6 | Wells Fargo Bank National Association | 43 | $10.7M | $250K | 10.28% | 10.00% |
| 7 | BayFirst National Bank | 41 | $6.6M | $161K | 9.69% | 21.88% |
| 8 | JPMorgan Chase Bank, National Association | 39 | $11.2M | $287K | 11.01% | 9.09% |
| 9 | U.S. Bank, National Association | 37 | $11.6M | $312K | 9.34% | 0.00% |
| 10 | Live Oak Banking Company | 34 | $42.8M | $1.3M | 9.35% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 28 | $4.1M | $145K | 9.87% | 0.00% |
| 12 | Newtek Small Business Finance, Inc. | 27 | $13.7M | $507K | 7.31% | 3.70% |
| 13 | Cadence Bank | 26 | $7.0M | $269K | 8.55% | 0.00% |
| 14 | Bank of America, National Association | 17 | $10.0M | $586K | 8.76% | 0.00% |
| 15 | First Internet Bank of Indiana | 16 | $24.5M | $1.5M | 9.86% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541810. Charge-off rates are calculated on the FY2020–FY2023 cohort only.