Best SBA 7(a) lenders for recreational and vacation camps (except campgrounds)
The top SBA 7(a) lenders for recreational and vacation camps (except campgrounds) (NAICS 721214) are Security Bank USA, Dogwood State Bank, Newtek Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 78 loans totaling $49.2M to businesses in this industry. Average loan size: $631K. Average rate: 8.60%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.17%.
Loans
78
Total $
$49.2M
Avg loan
$631K
Avg rate
8.60%
Avg term
190 mo
Industry chg-off rate
2.17%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Security Bank USA | 5 | $260K | $52K | 4.75% | 0.00% |
| 2 | Dogwood State Bank | 4 | $3.1M | $772K | 9.13% | 0.00% |
| 3 | Newtek Bank, National Association | 4 | $985K | $246K | 10.56% | 0.00% |
| 4 | TD Bank, National Association | 4 | $266K | $67K | 11.72% | 0.00% |
| 5 | Bank Five Nine | 4 | $915K | $229K | 8.13% | 0.00% |
| 6 | BankVista | 3 | $460K | $153K | 9.58% | — |
| 7 | Manufacturers and Traders Trust Company | 3 | $612K | $204K | 11.33% | 0.00% |
| 8 | Readycap Lending, LLC | 3 | $2.2M | $730K | 11.67% | 0.00% |
| 9 | Northeast Bank | 2 | $95K | $47K | 11.00% | — |
| 10 | Mountain America FCU | 2 | $415K | $208K | 10.63% | — |
| 11 | Katahdin Trust Company | 2 | $3.1M | $1.6M | 4.38% | 0.00% |
| 12 | Wells Fargo Bank National Association | 2 | $558K | $279K | 10.24% | 0.00% |
| 13 | KeyBank National Association | 2 | $80K | $40K | 11.54% | 0.00% |
| 14 | Zions Bank, A Division of | 2 | $946K | $473K | 10.50% | 0.00% |
| 15 | Cadence Bank | 1 | $215K | $215K | 11.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 721214. Charge-off rates are calculated on the FY2020–FY2023 cohort only.