Best SBA 7(a) lenders for investigation services
The top SBA 7(a) lenders for investigation services (NAICS 561611) are Newtek Bank, National Association, BayFirst National Bank, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 138 loans totaling $33.8M to businesses in this industry. Average loan size: $245K. Average rate: 9.72%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.28%.
Loans
138
Total $
$33.8M
Avg loan
$245K
Avg rate
9.72%
Avg term
125 mo
Industry chg-off rate
3.28%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 15 | $4.7M | $313K | 12.02% | 0.00% |
| 2 | BayFirst National Bank | 10 | $1.4M | $137K | 10.60% | 0.00% |
| 3 | TD Bank, National Association | 10 | $710K | $71K | 10.81% | 0.00% |
| 4 | United Midwest Savings Bank National Association | 10 | $1.5M | $148K | 10.25% | 0.00% |
| 5 | Northeast Bank | 10 | $1.6M | $157K | 10.85% | — |
| 6 | Celtic Bank Corporation | 7 | $3.7M | $529K | 7.86% | 0.00% |
| 7 | Wells Fargo Bank National Association | 7 | $65K | $9K | 11.68% | 25.00% |
| 8 | Readycap Lending, LLC | 6 | $815K | $136K | 13.17% | — |
| 9 | U.S. Bank, National Association | 5 | $2.4M | $471K | 7.09% | 0.00% |
| 10 | The Huntington National Bank | 5 | $331K | $66K | 9.30% | 0.00% |
| 11 | Cadence Bank | 5 | $1.1M | $215K | 8.80% | 0.00% |
| 12 | First Internet Bank of Indiana | 3 | $1.6M | $545K | 8.83% | 0.00% |
| 13 | Rockland Trust Company | 3 | $660K | $220K | 7.33% | 0.00% |
| 14 | Bank of America, National Association | 2 | $471K | $236K | 8.96% | — |
| 15 | Truist Bank | 2 | $436K | $218K | 6.38% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 561611. Charge-off rates are calculated on the FY2020–FY2023 cohort only.