Best SBA 7(a) lenders for other personal care services
The top SBA 7(a) lenders for other personal care services (NAICS 812199) are The Huntington National Bank, U.S. Bank, National Association, Newtek Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 3,617 loans totaling $1.28B to businesses in this industry. Average loan size: $355K. Average rate: 9.36%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 2.43%.
Loans
3,617
Total $
$1.28B
Avg loan
$355K
Avg rate
9.36%
Avg term
126 mo
Industry chg-off rate
2.43%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 725 | $180.7M | $249K | 9.54% | 2.51% |
| 2 | U.S. Bank, National Association | 181 | $12.4M | $68K | 8.74% | 1.02% |
| 3 | Newtek Bank, National Association | 162 | $46.3M | $286K | 11.48% | 0.00% |
| 4 | TD Bank, National Association | 142 | $8.8M | $62K | 10.80% | 8.54% |
| 5 | Wells Fargo Bank National Association | 128 | $10.4M | $81K | 10.97% | 3.95% |
| 6 | Manufacturers and Traders Trust Company | 126 | $11.9M | $95K | 10.83% | 9.52% |
| 7 | Readycap Lending, LLC | 75 | $18.2M | $243K | 12.38% | 0.00% |
| 8 | BayFirst National Bank | 70 | $20.4M | $292K | 10.81% | 0.00% |
| 9 | Newtek Small Business Finance, Inc. | 53 | $20.4M | $384K | 7.82% | 0.00% |
| 10 | Northeast Bank | 49 | $5.1M | $105K | 11.16% | 0.00% |
| 11 | First Bank of the Lake | 48 | $28.9M | $601K | 9.86% | 0.00% |
| 12 | JPMorgan Chase Bank, National Association | 47 | $17.5M | $372K | 10.47% | 0.00% |
| 13 | KeyBank National Association | 43 | $15.5M | $361K | 10.01% | 0.00% |
| 14 | Simmons Bank | 38 | $14.7M | $388K | 6.46% | 2.70% |
| 15 | Live Oak Banking Company | 38 | $43.7M | $1.1M | 8.85% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812199. Charge-off rates are calculated on the FY2020–FY2023 cohort only.