Best SBA 7(a) lenders for all other professional, scientific, and technical services
The top SBA 7(a) lenders for all other professional, scientific, and technical services (NAICS 541990) are The Huntington National Bank, Northeast Bank, Readycap Lending, LLC, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 2,981 loans totaling $1.35B to businesses in this industry. Average loan size: $452K. Average rate: 8.99%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.94%.
Loans
2,981
Total $
$1.35B
Avg loan
$452K
Avg rate
8.99%
Avg term
126 mo
Industry chg-off rate
1.94%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 237 | $77.4M | $327K | 8.49% | 1.50% |
| 2 | Northeast Bank | 218 | $34.0M | $156K | 10.91% | 0.00% |
| 3 | Readycap Lending, LLC | 194 | $42.0M | $217K | 12.27% | 0.00% |
| 4 | BayFirst National Bank | 135 | $21.7M | $161K | 11.01% | 6.33% |
| 5 | Cadence Bank | 103 | $28.5M | $277K | 8.94% | 5.97% |
| 6 | Newtek Bank, National Association | 99 | $34.8M | $351K | 11.52% | 0.00% |
| 7 | Live Oak Banking Company | 83 | $90.9M | $1.1M | 8.50% | 0.00% |
| 8 | U.S. Bank, National Association | 83 | $36.3M | $437K | 8.14% | 4.35% |
| 9 | Manufacturers and Traders Trust Company | 73 | $12.6M | $172K | 9.89% | 4.26% |
| 10 | TD Bank, National Association | 70 | $19.5M | $279K | 10.46% | 11.11% |
| 11 | JPMorgan Chase Bank, National Association | 65 | $22.8M | $351K | 9.17% | 0.00% |
| 12 | Wells Fargo Bank National Association | 65 | $23.7M | $364K | 9.24% | 2.44% |
| 13 | Newtek Small Business Finance, Inc. | 65 | $25.5M | $393K | 7.67% | 3.08% |
| 14 | Five Star Bank | 52 | $13.2M | $254K | 6.88% | 0.00% |
| 15 | Eastern Bank | 50 | $4.3M | $86K | 9.14% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541990. Charge-off rates are calculated on the FY2020–FY2023 cohort only.