Best SBA 7(a) lenders for automotive glass replacement shops
The top SBA 7(a) lenders for automotive glass replacement shops (NAICS 811122) are U.S. Bank, National Association, The Huntington National Bank, First Bank of the Lake, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 367 loans totaling $121.8M to businesses in this industry. Average loan size: $332K. Average rate: 9.28%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.07%.
Loans
367
Total $
$121.8M
Avg loan
$332K
Avg rate
9.28%
Avg term
134 mo
Industry chg-off rate
4.07%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 31 | $4.1M | $131K | 9.31% | 0.00% |
| 2 | The Huntington National Bank | 22 | $7.0M | $320K | 10.21% | 0.00% |
| 3 | First Bank of the Lake | 20 | $13.2M | $658K | 9.36% | 0.00% |
| 4 | United Midwest Savings Bank National Association | 19 | $3.1M | $166K | 8.03% | 16.67% |
| 5 | Readycap Lending, LLC | 16 | $5.5M | $344K | 11.53% | 0.00% |
| 6 | TD Bank, National Association | 15 | $1.3M | $84K | 10.69% | 20.00% |
| 7 | Wells Fargo Bank National Association | 15 | $1.2M | $79K | 10.09% | 0.00% |
| 8 | Newtek Bank, National Association | 10 | $4.1M | $412K | 11.85% | 0.00% |
| 9 | Celtic Bank Corporation | 8 | $3.8M | $471K | 8.53% | 0.00% |
| 10 | BayFirst National Bank | 8 | $993K | $124K | 11.38% | 25.00% |
| 11 | SouthState Bank, National Association | 8 | $3.6M | $444K | 6.63% | 0.00% |
| 12 | JPMorgan Chase Bank, National Association | 8 | $875K | $109K | 12.78% | 0.00% |
| 13 | Manufacturers and Traders Trust Company | 7 | $427K | $61K | 10.18% | 0.00% |
| 14 | Northeast Bank | 7 | $802K | $115K | 10.50% | 0.00% |
| 15 | Zions Bank, A Division of | 7 | $4.2M | $594K | 8.60% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 811122. Charge-off rates are calculated on the FY2020–FY2023 cohort only.