Best SBA 7(a) lenders for temporary help services
The top SBA 7(a) lenders for temporary help services (NAICS 561320) are U.S. Bank, National Association, JPMorgan Chase Bank, National Association, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 260 loans totaling $134.2M to businesses in this industry. Average loan size: $516K. Average rate: 8.95%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.74%.
Loans
260
Total $
$134.2M
Avg loan
$516K
Avg rate
8.95%
Avg term
120 mo
Industry chg-off rate
2.74%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 17 | $4.3M | $254K | 8.15% | 0.00% |
| 2 | JPMorgan Chase Bank, National Association | 15 | $3.8M | $252K | 10.63% | 0.00% |
| 3 | The Huntington National Bank | 15 | $3.2M | $216K | 8.37% | 0.00% |
| 4 | Northeast Bank | 14 | $2.5M | $181K | 11.07% | 0.00% |
| 5 | Newtek Bank, National Association | 14 | $13.1M | $937K | 12.43% | 0.00% |
| 6 | TD Bank, National Association | 11 | $908K | $83K | 10.03% | 12.50% |
| 7 | Lendistry SBLC, LLC | 10 | $3.9M | $388K | 11.53% | 0.00% |
| 8 | Wells Fargo Bank National Association | 10 | $3.6M | $358K | 9.73% | 25.00% |
| 9 | Bank of America, National Association | 8 | $7.6M | $946K | 6.93% | 0.00% |
| 10 | Celtic Bank Corporation | 8 | $993K | $124K | 8.91% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 8 | $1.0M | $127K | 9.28% | 0.00% |
| 12 | BayFirst National Bank | 6 | $900K | $150K | 12.33% | 0.00% |
| 13 | First Internet Bank of Indiana | 5 | $5.9M | $1.2M | 9.30% | 0.00% |
| 14 | Byline Bank | 5 | $4.9M | $973K | 7.20% | 0.00% |
| 15 | Brookline Bank, a Division of Beacon Bank and Trust | 4 | $3.3M | $834K | 5.44% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 561320. Charge-off rates are calculated on the FY2020–FY2023 cohort only.