Best SBA 7(a) lenders for travel agencies
The top SBA 7(a) lenders for travel agencies (NAICS 561510) are TD Bank, National Association, The Huntington National Bank, Wells Fargo Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 214 loans totaling $39.8M to businesses in this industry. Average loan size: $186K. Average rate: 10.37%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 5.75%.
Loans
214
Total $
$39.8M
Avg loan
$186K
Avg rate
10.37%
Avg term
123 mo
Industry chg-off rate
5.75%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 41 | $3.4M | $82K | 10.88% | 0.00% |
| 2 | The Huntington National Bank | 16 | $2.8M | $174K | 7.91% | 0.00% |
| 3 | Wells Fargo Bank National Association | 15 | $1.6M | $110K | 11.67% | 10.00% |
| 4 | Northeast Bank | 15 | $2.4M | $162K | 11.28% | — |
| 5 | Newtek Bank, National Association | 13 | $3.1M | $239K | 11.44% | 0.00% |
| 6 | JPMorgan Chase Bank, National Association | 12 | $2.6M | $215K | 11.78% | 25.00% |
| 7 | BayFirst National Bank | 10 | $1.9M | $194K | 10.35% | 0.00% |
| 8 | Readycap Lending, LLC | 9 | $820K | $91K | 13.75% | 0.00% |
| 9 | Manufacturers and Traders Trust Company | 8 | $635K | $79K | 11.56% | 25.00% |
| 10 | U.S. Bank, National Association | 8 | $857K | $107K | 9.23% | 0.00% |
| 11 | Celtic Bank Corporation | 6 | $416K | $69K | 11.13% | 0.00% |
| 12 | CenTrust Bank, A Division of SmartBiz Bank National Associat | 4 | $515K | $129K | 11.88% | — |
| 13 | Newtek Small Business Finance, Inc. | 4 | $3.0M | $757K | 6.00% | 0.00% |
| 14 | Harvest Small Business Finance, LLC | 3 | $914K | $305K | 9.50% | 0.00% |
| 15 | SouthState Bank, National Association | 3 | $1.7M | $563K | 8.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 561510. Charge-off rates are calculated on the FY2020–FY2023 cohort only.