Best SBA 7(a) lenders for automotive body, paint, and interior repair and maintenance
The top SBA 7(a) lenders for automotive body, paint, and interior repair and maintenance (NAICS 811121) are The Huntington National Bank, U.S. Bank, National Association, TD Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 1,767 loans totaling $998.2M to businesses in this industry. Average loan size: $565K. Average rate: 8.65%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.61%.
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 134 | $37.8M | $282K | 8.42% | 4.11% |
| 2 | U.S. Bank, National Association | 121 | $40.9M | $338K | 8.64% | 2.33% |
| 3 | TD Bank, National Association | 62 | $14.1M | $227K | 10.54% | 3.23% |
| 4 | Manufacturers and Traders Trust Company | 62 | $10.2M | $164K | 9.85% | 0.00% |
| 5 | Live Oak Banking Company | 59 | $78.7M | $1.3M | 8.47% | 0.00% |
| 6 | Northeast Bank | 57 | $10.4M | $182K | 10.71% | 0.00% |
| 7 | Newtek Bank, National Association | 54 | $31.5M | $584K | 11.28% | 0.00% |
| 8 | Wells Fargo Bank National Association | 53 | $14.1M | $266K | 9.93% | 13.89% |
| 9 | Readycap Lending, LLC | 39 | $18.0M | $461K | 11.72% | 0.00% |
| 10 | BayFirst National Bank | 38 | $5.9M | $155K | 11.72% | 0.00% |
| 11 | JPMorgan Chase Bank, National Association | 34 | $12.4M | $365K | 10.31% | 11.11% |
| 12 | Harvest Small Business Finance, LLC | 34 | $33.9M | $996K | 7.87% | 0.00% |
| 13 | Enterprise Bank & Trust | 28 | $36.8M | $1.3M | 6.95% | 0.00% |
| 14 | Columbia Bank | 24 | $14.9M | $622K | 10.36% | 0.00% |
| 15 | KeyBank National Association | 22 | $8.1M | $370K | 8.38% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 811121. Charge-off rates are calculated on the FY2020–FY2023 cohort only.