Best SBA 7(a) lenders for offices of dentists
The top SBA 7(a) lenders for offices of dentists (NAICS 621210) are Live Oak Banking Company, The Huntington National Bank, Bank of America, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 4,070 loans totaling $3.70B to businesses in this industry. Average loan size: $910K. Average rate: 7.46%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.37%.
Loans
4,070
Total $
$3.70B
Avg loan
$910K
Avg rate
7.46%
Avg term
193 mo
Industry chg-off rate
0.37%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 618 | $1.15B | $1.9M | 6.90% | 0.27% |
| 2 | The Huntington National Bank | 349 | $328.3M | $941K | 7.21% | 0.00% |
| 3 | Bank of America, National Association | 203 | $132.3M | $652K | 5.13% | 0.00% |
| 4 | Wells Fargo Bank National Association | 175 | $155.8M | $890K | 6.02% | 0.00% |
| 5 | United Midwest Savings Bank National Association | 133 | $167.3M | $1.3M | 8.08% | 0.00% |
| 6 | U.S. Bank, National Association | 127 | $107.7M | $848K | 6.24% | 0.00% |
| 7 | BayFirst National Bank | 123 | $26.3M | $213K | 11.41% | 6.15% |
| 8 | Newtek Bank, National Association | 118 | $57.1M | $484K | 11.33% | 0.00% |
| 9 | Readycap Lending, LLC | 93 | $43.2M | $465K | 10.49% | 0.00% |
| 10 | United Community Bank | 89 | $122.5M | $1.4M | 6.44% | 0.00% |
| 11 | Northeast Bank | 87 | $13.0M | $149K | 10.78% | 0.00% |
| 12 | TD Bank, National Association | 80 | $28.4M | $355K | 8.98% | 4.35% |
| 13 | PNC Bank, National Association | 59 | $55.5M | $941K | 5.07% | 0.00% |
| 14 | Fifth Third Bank | 58 | $99.2M | $1.7M | 7.92% | 25.00% |
| 15 | JPMorgan Chase Bank, National Association | 54 | $16.0M | $297K | 9.43% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.