Best SBA 7(a) lenders for all other miscellaneous schools and instruction
NAICS 611699 — All Other Miscellaneous Schools and Instruction.
632 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $238.6M.
Loans
632
Total $
$238.6M
Avg loan
$378K
Avg rate
8.51%
Avg term
135 mo
Industry chg-off rate
2.78%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 105 | $29.0M | $276K | 8.69% | 3.28% |
| 2 | Wells Fargo Bank National Association | 54 | $15.5M | $286K | 9.15% | 0.00% |
| 3 | U.S. Bank, National Association | 26 | $6.3M | $241K | 8.39% | 0.00% |
| 4 | TD Bank, National Association | 19 | $1.5M | $81K | 9.46% | 0.00% |
| 5 | BayFirst National Bank | 16 | $2.1M | $131K | 10.94% | 0.00% |
| 6 | Newtek Bank, National Association | 15 | $2.5M | $164K | 12.20% | 0.00% |
| 7 | CDC Small Business Finance Corp. | 13 | $1.3M | $101K | 10.56% | 12.50% |
| 8 | Manufacturers and Traders Trust Company | 13 | $1.1M | $83K | 10.42% | 14.29% |
| 9 | Cadence Bank | 13 | $3.0M | $234K | 9.21% | 0.00% |
| 10 | Live Oak Banking Company | 11 | $21.1M | $1.9M | 7.50% | 0.00% |
| 11 | Newtek Small Business Finance, Inc. | 11 | $7.8M | $708K | 8.36% | 0.00% |
| 12 | Northeast Bank | 11 | $1.3M | $116K | 11.27% | — |
| 13 | Meridian Bank | 9 | $9.4M | $1.0M | 6.14% | 0.00% |
| 14 | Bank Five Nine | 9 | $7.7M | $852K | 4.72% | 0.00% |
| 15 | Columbia Bank | 9 | $5.1M | $569K | 8.92% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 611699. Charge-off rates are calculated on the FY2020–FY2023 cohort only.