Best SBA 7(a) lenders for all other professional, scientific, and technical services
NAICS 541990 — All Other Professional, Scientific, and Technical Services.
2,981 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.35B.
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.