Best SBA 7(a) lenders for drinking places (alcoholic beverages)
The top SBA 7(a) lenders for drinking places (alcoholic beverages) (NAICS 722410) are The Huntington National Bank, Newtek Bank, National Association, Northeast Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 2,107 loans totaling $976.4M to businesses in this industry. Average loan size: $463K. Average rate: 8.52%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.37%.
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. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
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.