Best SBA 7(a) lenders for parking lots and garages
The top SBA 7(a) lenders for parking lots and garages (NAICS 812930) are TD Bank, National Association, Readycap Lending, LLC, Celtic Bank Corporation, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 76 loans totaling $48.1M to businesses in this industry. Average loan size: $634K. Average rate: 9.01%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 4.65%.
Loans
76
Total $
$48.1M
Avg loan
$634K
Avg rate
9.01%
Avg term
175 mo
Industry chg-off rate
4.65%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 6 | $130K | $22K | 12.70% | 20.00% |
| 2 | Readycap Lending, LLC | 5 | $511K | $102K | 13.10% | 0.00% |
| 3 | Celtic Bank Corporation | 4 | $465K | $116K | 9.81% | 50.00% |
| 4 | Enterprise Bank & Trust | 4 | $3.0M | $743K | 7.63% | 0.00% |
| 5 | HomeTrust Bank | 3 | $4.2M | $1.4M | 10.50% | 0.00% |
| 6 | BayFirst National Bank | 3 | $2.9M | $955K | 7.58% | 0.00% |
| 7 | U.S. Bank, National Association | 3 | $61K | $20K | 9.82% | — |
| 8 | City National Bank | 2 | $2.9M | $1.4M | 7.69% | 0.00% |
| 9 | First Bank & Trust | 2 | $3.3M | $1.6M | 4.46% | 0.00% |
| 10 | Harvest Small Business Finance, LLC | 2 | $1.9M | $975K | 8.38% | 0.00% |
| 11 | Lendistry SBLC, LLC | 2 | $430K | $215K | 12.00% | — |
| 12 | New Market Bank | 2 | $145K | $73K | 3.13% | 0.00% |
| 13 | JPMorgan Chase Bank, National Association | 2 | $453K | $227K | 8.04% | 0.00% |
| 14 | Northwest Bank | 2 | $1.1M | $574K | 11.00% | — |
| 15 | BMO Bank National Association | 1 | $3.1M | $3.1M | 3.37% | 0.00% |
Get matched with SBA lenders — free
Tell us a bit about your funding need. We'll connect you to SBA-preferred lenders active in your industry and state. No obligation.
Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 812930. Charge-off rates are calculated on the FY2020–FY2023 cohort only.