Best SBA 7(a) lenders for limited-service restaurants
The top SBA 7(a) lenders for limited-service restaurants (NAICS 722211) are TD Bank, National Association, The Huntington National Bank, Banco Popular de Puerto Rico, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 71 loans totaling $11.6M to businesses in this industry. Average loan size: $163K. Average rate: 11.15%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 10.53%.
Loans
71
Total $
$11.6M
Avg loan
$163K
Avg rate
11.15%
Avg term
118 mo
Industry chg-off rate
10.53%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 53 | $3.0M | $57K | 11.56% | 11.76% |
| 2 | The Huntington National Bank | 11 | $2.4M | $217K | 10.39% | 0.00% |
| 3 | Banco Popular de Puerto Rico | 1 | $15K | $15K | 13.00% | — |
| 4 | Cadence Bank | 1 | $1.4M | $1.4M | 9.50% | 0.00% |
| 5 | First Financial Bank | 1 | $1.9M | $1.9M | 5.50% | 0.00% |
| 6 | LendingClub Bank, National Association | 1 | $446K | $446K | 5.25% | 0.00% |
| 7 | Harvest Small Business Finance, LLC | 1 | $1.2M | $1.2M | 9.75% | — |
| 8 | Readycap Lending, LLC | 1 | $15K | $15K | 15.00% | — |
| 9 | Village Bank and Trust, National Association | 1 | $1.3M | $1.3M | 6.61% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 722211. Charge-off rates are calculated on the FY2020–FY2023 cohort only.