Best SBA 7(a) lenders for pet care (except veterinary) services
The top SBA 7(a) lenders for pet care (except veterinary) services (NAICS 812910) are The Huntington National Bank, Live Oak Banking Company, First Financial Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 2,865 loans totaling $1.41B to businesses in this industry. Average loan size: $492K. Average rate: 8.82%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.29%.
Loans
2,865
Total $
$1.41B
Avg loan
$492K
Avg rate
8.82%
Avg term
152 mo
Industry chg-off rate
1.29%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 468 | $109.8M | $235K | 9.36% | 2.83% |
| 2 | Live Oak Banking Company | 156 | $197.4M | $1.3M | 7.77% | 1.12% |
| 3 | First Financial Bank | 92 | $108.9M | $1.2M | 7.78% | 0.00% |
| 4 | TD Bank, National Association | 82 | $12.3M | $149K | 10.59% | 5.56% |
| 5 | Readycap Lending, LLC | 76 | $38.4M | $505K | 10.91% | 0.00% |
| 6 | Newtek Bank, National Association | 76 | $21.1M | $278K | 11.67% | 0.00% |
| 7 | Manufacturers and Traders Trust Company | 73 | $5.4M | $75K | 10.26% | 5.00% |
| 8 | Wells Fargo Bank National Association | 70 | $33.9M | $484K | 9.28% | 1.96% |
| 9 | Northeast Bank | 64 | $6.1M | $95K | 10.93% | 0.00% |
| 10 | First Bank of the Lake | 62 | $51.4M | $829K | 9.65% | 3.70% |
| 11 | U.S. Bank, National Association | 57 | $22.2M | $390K | 8.23% | 3.03% |
| 12 | KeyBank National Association | 51 | $22.7M | $445K | 8.81% | 0.00% |
| 13 | BayFirst National Bank | 48 | $8.5M | $178K | 11.76% | 8.33% |
| 14 | United Midwest Savings Bank National Association | 41 | $6.9M | $168K | 8.63% | 9.52% |
| 15 | Celtic Bank Corporation | 36 | $10.6M | $294K | 9.01% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812910. Charge-off rates are calculated on the FY2020–FY2023 cohort only.