Best SBA 7(a) lenders for other personal and household goods repair and maintenance
The top SBA 7(a) lenders for other personal and household goods repair and maintenance (NAICS 811490) are The Huntington National Bank, U.S. Bank, National Association, Readycap Lending, LLC, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 947 loans totaling $241.2M to businesses in this industry. Average loan size: $255K. Average rate: 9.41%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.94%.
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.