Best SBA 7(a) lenders for offices of chiropractors
The top SBA 7(a) lenders for offices of chiropractors (NAICS 621310) are The Huntington National Bank, United Midwest Savings Bank National Association, BayFirst National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 2,994 loans totaling $800.8M to businesses in this industry. Average loan size: $267K. Average rate: 8.42%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.67%.
Loans
2,994
Total $
$800.8M
Avg loan
$267K
Avg rate
8.42%
Avg term
134 mo
Industry chg-off rate
1.67%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 273 | $43.2M | $158K | 8.41% | 1.30% |
| 2 | United Midwest Savings Bank National Association | 219 | $76.9M | $351K | 8.51% | 4.76% |
| 3 | BayFirst National Bank | 95 | $27.6M | $290K | 10.16% | 0.00% |
| 4 | TD Bank, National Association | 89 | $10.2M | $115K | 9.68% | 5.26% |
| 5 | U.S. Bank, National Association | 82 | $26.0M | $317K | 7.82% | 2.13% |
| 6 | BankVista | 77 | $16.8M | $219K | 8.05% | 2.22% |
| 7 | Wells Fargo Bank National Association | 74 | $24.5M | $330K | 8.62% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 74 | $5.3M | $71K | 10.06% | 6.25% |
| 9 | Northeast Bank | 70 | $8.3M | $119K | 11.03% | 0.00% |
| 10 | Newtek Bank, National Association | 65 | $12.3M | $189K | 11.72% | 0.00% |
| 11 | Readycap Lending, LLC | 57 | $7.1M | $124K | 12.25% | 0.00% |
| 12 | Citizens Bank | 56 | $24.6M | $440K | 8.28% | 0.00% |
| 13 | SouthState Bank, National Association | 46 | $20.6M | $448K | 7.49% | 0.00% |
| 14 | Zions Bank, A Division of | 39 | $5.9M | $150K | 8.84% | 18.18% |
| 15 | Columbia Bank | 38 | $7.1M | $188K | 8.57% | 3.85% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.