Best SBA 7(a) lenders for security guards and patrol services
The top SBA 7(a) lenders for security guards and patrol services (NAICS 561612) are Newtek Bank, National Association, TD Bank, National Association, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 412 loans totaling $150.6M to businesses in this industry. Average loan size: $366K. Average rate: 9.86%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.86%.
Loans
412
Total $
$150.6M
Avg loan
$366K
Avg rate
9.86%
Avg term
118 mo
Industry chg-off rate
2.86%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 50 | $26.8M | $536K | 11.29% | 0.00% |
| 2 | TD Bank, National Association | 26 | $1.8M | $71K | 9.91% | 11.76% |
| 3 | Northeast Bank | 25 | $5.0M | $199K | 11.09% | 0.00% |
| 4 | JPMorgan Chase Bank, National Association | 23 | $4.9M | $212K | 11.48% | 0.00% |
| 5 | U.S. Bank, National Association | 23 | $2.7M | $117K | 9.72% | 0.00% |
| 6 | Wells Fargo Bank National Association | 18 | $2.3M | $127K | 10.56% | 0.00% |
| 7 | The Huntington National Bank | 18 | $2.1M | $115K | 8.61% | 0.00% |
| 8 | BayFirst National Bank | 15 | $2.7M | $179K | 11.43% | 0.00% |
| 9 | Newtek Small Business Finance, Inc. | 10 | $12.3M | $1.2M | 7.45% | 0.00% |
| 10 | Lendistry SBLC, LLC | 10 | $2.2M | $223K | 12.30% | — |
| 11 | Manufacturers and Traders Trust Company | 9 | $1.3M | $144K | 10.28% | 33.33% |
| 12 | Readycap Lending, LLC | 9 | $3.9M | $437K | 12.39% | 0.00% |
| 13 | Celtic Bank Corporation | 9 | $1.2M | $137K | 10.08% | 0.00% |
| 14 | Banco Popular de Puerto Rico | 8 | $449K | $56K | 12.09% | 0.00% |
| 15 | Columbia Bank | 7 | $3.1M | $442K | 7.36% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 561612. Charge-off rates are calculated on the FY2020–FY2023 cohort only.