Best SBA 7(a) lenders for freestanding ambulatory surgical and emergency centers
The top SBA 7(a) lenders for freestanding ambulatory surgical and emergency centers (NAICS 621493) are Citizens Bank, Customers Bank, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 166 loans totaling $213.7M to businesses in this industry. Average loan size: $1.3M. Average rate: 7.87%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
166
Total $
$213.7M
Avg loan
$1.3M
Avg rate
7.87%
Avg term
144 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank | 20 | $30.1M | $1.5M | 8.39% | 0.00% |
| 2 | Customers Bank | 12 | $12.2M | $1.0M | 8.40% | 0.00% |
| 3 | TD Bank, National Association | 7 | $8.4M | $1.2M | 6.59% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 6 | $4.4M | $729K | 8.50% | 0.00% |
| 5 | PNC Bank, National Association | 6 | $9.6M | $1.6M | 5.35% | 0.00% |
| 6 | United Community Bank | 6 | $6.0M | $997K | 8.79% | 0.00% |
| 7 | Brookline Bank, a Division of Beacon Bank and Trust | 6 | $11.0M | $1.8M | 6.00% | 0.00% |
| 8 | Stearns Bank National Association | 5 | $4.5M | $900K | 10.10% | 0.00% |
| 9 | Georgia's Own Credit Union | 5 | $2.2M | $447K | 6.20% | 0.00% |
| 10 | Newtek Bank, National Association | 3 | $510K | $170K | 10.83% | — |
| 11 | Newtek Small Business Finance, Inc. | 3 | $3.8M | $1.3M | 6.75% | 0.00% |
| 12 | Readycap Lending, LLC | 3 | $1.8M | $583K | 10.88% | 0.00% |
| 13 | KeyBank National Association | 3 | $3.5M | $1.2M | 8.00% | 0.00% |
| 14 | JPMorgan Chase Bank, National Association | 3 | $1.9M | $637K | 10.95% | 0.00% |
| 15 | The Huntington National Bank | 3 | $500K | $167K | 5.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 621493. Charge-off rates are calculated on the FY2020–FY2023 cohort only.