Best SBA 7(a) lenders for all other miscellaneous waste management services
NAICS 562998 — All Other Miscellaneous Waste Management Services.
288 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $133.7M.
Loans
288
Total $
$133.7M
Avg loan
$464K
Avg rate
7.97%
Avg term
120 mo
Industry chg-off rate
0.55%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 27 | $3.9M | $144K | 8.62% | 0.00% |
| 2 | U.S. Bank, National Association | 11 | $8.2M | $745K | 7.21% | 0.00% |
| 3 | Wells Fargo Bank National Association | 11 | $2.8M | $255K | 9.31% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 9 | $2.0M | $227K | 8.31% | 0.00% |
| 5 | Northeast Bank | 8 | $765K | $96K | 10.69% | 0.00% |
| 6 | Stearns Bank National Association | 6 | $1.7M | $291K | 7.92% | 0.00% |
| 7 | Readycap Lending, LLC | 6 | $1.8M | $303K | 10.79% | 0.00% |
| 8 | Celtic Bank Corporation | 6 | $3.2M | $526K | 7.75% | 0.00% |
| 9 | Bank of America, National Association | 6 | $1.6M | $268K | 8.19% | 0.00% |
| 10 | Falcon National Bank | 6 | $1.4M | $231K | 6.38% | 0.00% |
| 11 | BayFirst National Bank | 5 | $772K | $154K | 11.15% | 0.00% |
| 12 | JPMorgan Chase Bank, National Association | 5 | $1.3M | $263K | 10.18% | 0.00% |
| 13 | Ameris Bank | 5 | $2.7M | $539K | 4.95% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 5 | $1.4M | $273K | 6.95% | 0.00% |
| 15 | Newtek Bank, National Association | 4 | $2.9M | $725K | 11.25% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 562998. Charge-off rates are calculated on the FY2020–FY2023 cohort only.