Best SBA 7(a) lenders for offices of optometrists
NAICS 621320 — Offices of Optometrists.
708 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $380.2M.
Loans
708
Total $
$380.2M
Avg loan
$537K
Avg rate
7.98%
Avg term
157 mo
Industry chg-off rate
0.23%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 62 | $31.1M | $502K | 7.68% | 0.00% |
| 2 | Wells Fargo Bank National Association | 41 | $39.9M | $974K | 6.53% | 0.00% |
| 3 | Live Oak Banking Company | 30 | $41.8M | $1.4M | 6.87% | 0.00% |
| 4 | Newtek Bank, National Association | 26 | $8.7M | $336K | 11.23% | 0.00% |
| 5 | Stearns Bank National Association | 23 | $4.1M | $177K | 10.40% | 0.00% |
| 6 | BayFirst National Bank | 21 | $2.8M | $135K | 12.12% | 0.00% |
| 7 | Northeast Bank | 20 | $3.9M | $194K | 10.82% | — |
| 8 | Readycap Lending, LLC | 18 | $3.6M | $201K | 12.15% | 25.00% |
| 9 | JPMorgan Chase Bank, National Association | 17 | $5.3M | $313K | 9.02% | 0.00% |
| 10 | TD Bank, National Association | 15 | $8.3M | $554K | 9.42% | 0.00% |
| 11 | U.S. Bank, National Association | 15 | $6.1M | $409K | 8.57% | 0.00% |
| 12 | Fifth Third Bank | 14 | $15.7M | $1.1M | 8.17% | 0.00% |
| 13 | Meridian Bank | 13 | $5.9M | $455K | 7.50% | 0.00% |
| 14 | Manufacturers and Traders Trust Company | 11 | $1.1M | $100K | 10.84% | 0.00% |
| 15 | Byline Bank | 10 | $5.9M | $587K | 7.03% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621320. Charge-off rates are calculated on the FY2020–FY2023 cohort only.