Best SBA 7(a) lenders for septic tank and related services
NAICS 562991 — Septic Tank and Related Services.
345 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $154.6M.
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.