Best SBA 7(a) lenders for all other miscellaneous schools and instruction
The top SBA 7(a) lenders for all other miscellaneous schools and instruction (NAICS 611699) are The Huntington National Bank, Wells Fargo 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 632 loans totaling $238.6M to businesses in this industry. Average loan size: $378K. Average rate: 8.51%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.78%.
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.