Best SBA 7(a) lenders for septic tank and related services
The top SBA 7(a) lenders for septic tank and related services (NAICS 562991) are The Huntington National Bank, TD Bank, National Association, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 345 loans totaling $154.6M to businesses in this industry. Average loan size: $448K. Average rate: 8.23%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
345
Total $
$154.6M
Avg loan
$448K
Avg rate
8.23%
Avg term
121 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 21 | $5.3M | $254K | 7.63% | 0.00% |
| 2 | TD Bank, National Association | 12 | $1.2M | $97K | 9.48% | 0.00% |
| 3 | U.S. Bank, National Association | 12 | $1.8M | $149K | 8.15% | 0.00% |
| 4 | Columbia Bank | 10 | $3.2M | $322K | 9.43% | 0.00% |
| 5 | Banner Bank | 10 | $839K | $84K | 8.72% | 0.00% |
| 6 | Manufacturers and Traders Trust Company | 10 | $948K | $95K | 11.27% | 0.00% |
| 7 | Wells Fargo Bank National Association | 8 | $1.9M | $242K | 10.80% | 0.00% |
| 8 | Hiawatha National Bank | 8 | $1.1M | $133K | 6.97% | 0.00% |
| 9 | Northeast Bank | 7 | $829K | $118K | 10.86% | — |
| 10 | SouthState Bank, National Association | 7 | $5.9M | $838K | 6.86% | 0.00% |
| 11 | Republic Bank & Trust Company | 6 | $2.1M | $344K | 4.13% | 0.00% |
| 12 | Newtek Bank, National Association | 6 | $2.8M | $463K | 10.79% | 0.00% |
| 13 | PNC Bank, National Association | 5 | $2.8M | $560K | 8.04% | 0.00% |
| 14 | First Bank of the Lake | 5 | $2.4M | $488K | 10.05% | 0.00% |
| 15 | Readycap Lending, LLC | 5 | $1.4M | $271K | 10.45% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 562991. Charge-off rates are calculated on the FY2020–FY2023 cohort only.