Best SBA 7(a) lenders for other personal and household goods repair and maintenance
NAICS 811490 — Other Personal and Household Goods Repair and Maintenance.
947 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $241.2M.
Loans
947
Total $
$241.2M
Avg loan
$255K
Avg rate
9.41%
Avg term
127 mo
Industry chg-off rate
1.94%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 79 | $10.4M | $131K | 8.67% | 0.00% |
| 2 | U.S. Bank, National Association | 52 | $5.9M | $114K | 9.46% | 0.00% |
| 3 | Readycap Lending, LLC | 49 | $8.3M | $169K | 12.43% | 11.11% |
| 4 | BayFirst National Bank | 46 | $7.9M | $171K | 11.58% | 5.00% |
| 5 | Newtek Bank, National Association | 45 | $6.2M | $138K | 11.80% | 0.00% |
| 6 | United Midwest Savings Bank National Association | 41 | $7.6M | $186K | 10.21% | 0.00% |
| 7 | Northeast Bank | 38 | $4.9M | $128K | 11.22% | 0.00% |
| 8 | TD Bank, National Association | 37 | $2.7M | $73K | 11.06% | 15.38% |
| 9 | Wells Fargo Bank National Association | 36 | $4.8M | $133K | 9.92% | 5.56% |
| 10 | Manufacturers and Traders Trust Company | 27 | $2.3M | $86K | 8.84% | 5.56% |
| 11 | Live Oak Banking Company | 27 | $20.6M | $761K | 7.85% | 6.25% |
| 12 | Cadence Bank | 17 | $4.8M | $282K | 8.24% | 9.09% |
| 13 | Newtek Small Business Finance, Inc. | 14 | $3.4M | $244K | 8.93% | 0.00% |
| 14 | Eastern Bank | 13 | $563K | $43K | 10.49% | 0.00% |
| 15 | PNC Bank, National Association | 11 | $1.9M | $177K | 9.03% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 811490. Charge-off rates are calculated on the FY2020–FY2023 cohort only.