Best SBA 7(a) lenders for commercial photography
The top SBA 7(a) lenders for commercial photography (NAICS 541922) are The Huntington National Bank, Readycap Lending, LLC, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 177 loans totaling $46.5M to businesses in this industry. Average loan size: $262K. Average rate: 10.01%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.85%.
Loans
177
Total $
$46.5M
Avg loan
$262K
Avg rate
10.01%
Avg term
120 mo
Industry chg-off rate
3.85%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 18 | $1.9M | $106K | 8.78% | 0.00% |
| 2 | Readycap Lending, LLC | 16 | $1.3M | $80K | 12.91% | 0.00% |
| 3 | TD Bank, National Association | 11 | $377K | $34K | 11.10% | 33.33% |
| 4 | BayFirst National Bank | 10 | $1.4M | $139K | 12.35% | 33.33% |
| 5 | Northeast Bank | 9 | $827K | $92K | 10.89% | — |
| 6 | Celtic Bank Corporation | 9 | $855K | $95K | 10.58% | 0.00% |
| 7 | Wells Fargo Bank National Association | 9 | $95K | $11K | 11.67% | 0.00% |
| 8 | U.S. Bank, National Association | 7 | $2.2M | $313K | 9.11% | 0.00% |
| 9 | JPMorgan Chase Bank, National Association | 7 | $898K | $128K | 12.05% | 0.00% |
| 10 | Newtek Bank, National Association | 7 | $757K | $108K | 12.36% | 0.00% |
| 11 | Lendistry SBLC, LLC | 4 | $422K | $105K | 12.75% | — |
| 12 | Community 1st CU | 3 | $176K | $59K | 5.61% | 0.00% |
| 13 | Fountainhead SBF LLC | 3 | $4.8M | $1.6M | 6.08% | 0.00% |
| 14 | Manufacturers and Traders Trust Company | 2 | $29K | $14K | 10.25% | 0.00% |
| 15 | Meridian Bank | 2 | $2.5M | $1.3M | 10.75% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541922. Charge-off rates are calculated on the FY2020–FY2023 cohort only.