Best SBA 7(a) lenders for other personal care services
NAICS 812199 — Other Personal Care Services.
3,617 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.28B.
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.