Best SBA 7(a) lenders for reupholstery and furniture repair
The top SBA 7(a) lenders for reupholstery and furniture repair (NAICS 811420) are TD Bank, National Association, Readycap Lending, LLC, U.S. Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 134 loans totaling $36.9M to businesses in this industry. Average loan size: $275K. Average rate: 10.06%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.28%.
Loans
134
Total $
$36.9M
Avg loan
$275K
Avg rate
10.06%
Avg term
132 mo
Industry chg-off rate
3.28%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 16 | $3.2M | $202K | 10.05% | 0.00% |
| 2 | Readycap Lending, LLC | 11 | $1.9M | $170K | 12.16% | 0.00% |
| 3 | U.S. Bank, National Association | 10 | $1.5M | $150K | 10.05% | — |
| 4 | Northeast Bank | 8 | $473K | $59K | 11.63% | — |
| 5 | The Huntington National Bank | 7 | $1.1M | $162K | 8.96% | 0.00% |
| 6 | JPMorgan Chase Bank, National Association | 6 | $1.7M | $279K | 12.02% | — |
| 7 | Live Oak Banking Company | 5 | $5.3M | $1.1M | 8.00% | 0.00% |
| 8 | Newtek Bank, National Association | 5 | $684K | $137K | 11.45% | — |
| 9 | United Midwest Savings Bank National Association | 5 | $750K | $150K | 8.70% | 0.00% |
| 10 | Newtek Small Business Finance, Inc. | 4 | $855K | $214K | 9.56% | 0.00% |
| 11 | Wells Fargo Bank National Association | 4 | $80K | $20K | 13.56% | 0.00% |
| 12 | Webster Bank National Association | 3 | $897K | $299K | 8.08% | 0.00% |
| 13 | Cadence Bank | 3 | $500K | $167K | 7.92% | 50.00% |
| 14 | Manufacturers and Traders Trust Company | 2 | $25K | $13K | 14.25% | 0.00% |
| 15 | KeyBank National Association | 2 | $100K | $50K | 12.46% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 811420. Charge-off rates are calculated on the FY2020–FY2023 cohort only.