Best SBA 7(a) lenders for drinking places (alcoholic beverages)
NAICS 722410 — Drinking Places (Alcoholic Beverages).
2,107 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $976.4M.
Loans
2,107
Total $
$976.4M
Avg loan
$463K
Avg rate
8.52%
Avg term
156 mo
Industry chg-off rate
1.37%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 211 | $47.0M | $223K | 8.43% | 3.54% |
| 2 | Newtek Bank, National Association | 72 | $21.9M | $304K | 11.28% | 0.00% |
| 3 | Northeast Bank | 58 | $8.8M | $152K | 10.70% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 57 | $5.5M | $97K | 10.29% | 8.70% |
| 5 | Readycap Lending, LLC | 47 | $18.8M | $400K | 12.17% | 0.00% |
| 6 | KeyBank National Association | 45 | $12.5M | $279K | 8.88% | 0.00% |
| 7 | Newtek Small Business Finance, Inc. | 43 | $20.0M | $464K | 7.37% | 0.00% |
| 8 | U.S. Bank, National Association | 42 | $8.6M | $204K | 7.79% | 0.00% |
| 9 | United Community Bank | 36 | $22.2M | $616K | 6.97% | 0.00% |
| 10 | TD Bank, National Association | 33 | $8.0M | $244K | 10.46% | 0.00% |
| 11 | Wells Fargo Bank National Association | 29 | $8.9M | $306K | 10.44% | 13.33% |
| 12 | Columbia Bank | 26 | $5.7M | $220K | 9.57% | 0.00% |
| 13 | Zions Bank, A Division of | 23 | $7.4M | $320K | 9.63% | 25.00% |
| 14 | Harvest Small Business Finance, LLC | 22 | $24.7M | $1.1M | 9.10% | 0.00% |
| 15 | Cadence Bank | 20 | $12.1M | $604K | 8.86% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need and we'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
We never sell your data. You'll be connected only to lenders matching your criteria.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 722410. Charge-off rates are calculated on the FY2020–FY2023 cohort only.