Best SBA 7(a) lenders for private mail centers
NAICS 561431 — Private Mail Centers.
895 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $318.7M.
Loans
895
Total $
$318.7M
Avg loan
$356K
Avg rate
8.48%
Avg term
121 mo
Industry chg-off rate
1.05%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 148 | $29.3M | $198K | 9.32% | 0.00% |
| 2 | Bank of America, National Association | 76 | $42.2M | $555K | 6.74% | 0.00% |
| 3 | United Community Bank | 56 | $23.6M | $422K | 8.38% | 0.00% |
| 4 | U.S. Bank, National Association | 42 | $12.2M | $291K | 8.12% | 0.00% |
| 5 | Citizens Bank | 30 | $14.4M | $478K | 9.12% | 0.00% |
| 6 | Merchants Bank of Indiana | 28 | $12.8M | $458K | 9.13% | 0.00% |
| 7 | Cadence Bank | 27 | $16.2M | $600K | 8.76% | 0.00% |
| 8 | Newtek Bank, National Association | 23 | $6.0M | $260K | 11.33% | 0.00% |
| 9 | Wells Fargo Bank National Association | 21 | $5.6M | $267K | 7.00% | 15.38% |
| 10 | TD Bank, National Association | 20 | $4.7M | $233K | 8.98% | 9.09% |
| 11 | Manufacturers and Traders Trust Company | 20 | $4.1M | $207K | 8.57% | 9.09% |
| 12 | The Bancorp Bank National Association | 19 | $7.7M | $404K | 6.68% | 0.00% |
| 13 | Columbia Bank | 14 | $4.0M | $285K | 9.02% | 0.00% |
| 14 | BayFirst National Bank | 12 | $2.7M | $228K | 8.98% | 0.00% |
| 15 | Live Oak Banking Company | 12 | $9.1M | $759K | 8.71% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need and we'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
We never sell your data. You'll be connected only to lenders matching your criteria.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 561431. Charge-off rates are calculated on the FY2020–FY2023 cohort only.