Best SBA 7(a) lenders for bed-and-breakfast inns
The top SBA 7(a) lenders for bed-and-breakfast inns (NAICS 721191) are Brookline Bank, a Division of Beacon Bank and Trust, Celtic Bank Corporation, Manufacturers and Traders Trust Company, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 236 loans totaling $253.5M to businesses in this industry. Average loan size: $1.1M. Average rate: 7.09%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 0.55%.
Loans
236
Total $
$253.5M
Avg loan
$1.1M
Avg rate
7.09%
Avg term
238 mo
Industry chg-off rate
0.55%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Brookline Bank, a Division of Beacon Bank and Trust | 11 | $21.3M | $1.9M | 8.34% | 0.00% |
| 2 | Celtic Bank Corporation | 10 | $12.8M | $1.3M | 7.12% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 9 | $2.1M | $236K | 6.94% | 0.00% |
| 4 | iTHINK Financial CU | 8 | $6.8M | $852K | 5.53% | 0.00% |
| 5 | Newtek Small Business Finance, Inc. | 7 | $5.3M | $758K | 7.57% | 0.00% |
| 6 | Readycap Lending, LLC | 7 | $11.5M | $1.6M | 7.82% | 0.00% |
| 7 | The Huntington National Bank | 6 | $5.1M | $843K | 7.75% | 0.00% |
| 8 | Byline Bank | 5 | $6.5M | $1.3M | 8.20% | 0.00% |
| 9 | Stone Bank | 5 | $7.0M | $1.4M | 7.50% | 0.00% |
| 10 | Paragon Bank | 5 | $9.1M | $1.8M | 5.85% | 0.00% |
| 11 | Harvest Small Business Finance, LLC | 5 | $6.9M | $1.4M | 9.25% | 0.00% |
| 12 | Newtek Bank, National Association | 4 | $850K | $213K | 11.00% | 0.00% |
| 13 | Dogwood State Bank | 4 | $9.2M | $2.3M | 5.81% | 0.00% |
| 14 | Banc of California | 4 | $4.8M | $1.2M | 5.63% | 0.00% |
| 15 | Telhio Credit Union Inc | 4 | $1.7M | $419K | 5.85% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 721191. Charge-off rates are calculated on the FY2020–FY2023 cohort only.