Best SBA 7(a) lenders for linen supply
The top SBA 7(a) lenders for linen supply (NAICS 812331) are TD Bank, National Association, BayFirst National Bank, Newtek Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 63 loans totaling $43.9M to businesses in this industry. Average loan size: $697K. Average rate: 9.14%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.03%.
Loans
63
Total $
$43.9M
Avg loan
$697K
Avg rate
9.14%
Avg term
145 mo
Industry chg-off rate
3.03%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 5 | $2.7M | $533K | 10.22% | 0.00% |
| 2 | BayFirst National Bank | 4 | $650K | $163K | 11.44% | 100.00% |
| 3 | Newtek Bank, National Association | 4 | $1.2M | $303K | 10.61% | — |
| 4 | Zions Bank, A Division of | 4 | $3.6M | $896K | 6.56% | 0.00% |
| 5 | The Huntington National Bank | 4 | $1.4M | $348K | 8.31% | 0.00% |
| 6 | Readycap Lending, LLC | 3 | $1.2M | $416K | 12.33% | — |
| 7 | Dogwood State Bank | 3 | $1.1M | $380K | 9.25% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 2 | $260K | $130K | 11.63% | — |
| 9 | Bank of America, National Association | 2 | $1.8M | $912K | 8.75% | — |
| 10 | 1st Source Bank | 2 | $1.5M | $733K | 9.00% | 0.00% |
| 11 | Clear Mountain Bank, Inc. | 2 | $820K | $410K | 3.75% | 0.00% |
| 12 | JPMorgan Chase Bank, National Association | 2 | $250K | $125K | 11.03% | 0.00% |
| 13 | Newtek Small Business Finance, Inc. | 2 | $1.9M | $962K | 6.00% | 0.00% |
| 14 | Live Oak Banking Company | 2 | $775K | $388K | 9.50% | 0.00% |
| 15 | Fifth Third Bank | 2 | $2.1M | $1.1M | 10.22% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812331. Charge-off rates are calculated on the FY2020–FY2023 cohort only.