Best SBA 7(a) lenders for child and youth services
The top SBA 7(a) lenders for child and youth services (NAICS 624110) are The Huntington National Bank, Northeast Bank, Wells Fargo Bank National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 281 loans totaling $157.4M to businesses in this industry. Average loan size: $560K. Average rate: 8.91%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.00%.
Loans
281
Total $
$157.4M
Avg loan
$560K
Avg rate
8.91%
Avg term
153 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 | The Huntington National Bank | 34 | $9.4M | $276K | 8.95% | 0.00% |
| 2 | Northeast Bank | 10 | $1.3M | $130K | 10.93% | — |
| 3 | Wells Fargo Bank National Association | 9 | $2.4M | $267K | 9.83% | 0.00% |
| 4 | Readycap Lending, LLC | 9 | $2.9M | $320K | 11.53% | 0.00% |
| 5 | Newtek Bank, National Association | 8 | $4.1M | $518K | 11.25% | 0.00% |
| 6 | TD Bank, National Association | 8 | $7.3M | $918K | 9.29% | 0.00% |
| 7 | Harvest Small Business Finance, LLC | 8 | $7.4M | $929K | 8.03% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 6 | $913K | $152K | 10.75% | 0.00% |
| 9 | Live Oak Banking Company | 6 | $13.8M | $2.3M | 7.97% | 0.00% |
| 10 | Cadence Bank | 5 | $1.4M | $272K | 10.20% | 0.00% |
| 11 | Bank Five Nine | 5 | $1.7M | $344K | 9.70% | — |
| 12 | Manufacturers and Traders Trust Company | 5 | $125K | $25K | 12.60% | 0.00% |
| 13 | BMO Bank National Association | 4 | $3.1M | $764K | 7.09% | 0.00% |
| 14 | Pentucket Bank | 4 | $490K | $123K | 9.63% | — |
| 15 | KeyBank National Association | 4 | $767K | $192K | 7.81% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 624110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.