SBA LenderData

BMO Bank National Association

Headquartered in Chicago, IL. Analysis based on 1,326 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.09B.

Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023), BMO Bank National Association ranks #34 by charge-off rate (1.23%).
Total 7(a) loans
1,326
Total approved
$1.09B
Average loan
$820K
States funded in
28
Charge-off rate
1.23%
FY2020–FY2023 cohort
Paid-in-full rate
17.39%
Average rate
6.07%
Average term
198 mo

Top 10 industries financed

NAICS Industry Loans
722511 Full-Service Restaurants 59
621210 Offices of Dentists 40
238990 All Other Specialty Trade Contractors 36
541211 Offices of Certified Public Accountants 35
811111 General Automotive Repair 34
621111 Offices of Physicians (except Mental Health Specialists) 31
238220 Plumbing, Heating, and Air-Conditioning Contractors 30
524210 Insurance Agencies and Brokerages 26
541110 Offices of Lawyers 25
722513 Limited-Service Restaurants 24

Top 10 states

State Loans
CA 636
CO 166
AZ 74
NM 72
UT 60
IL 52
WA 51
WI 45
OR 43
NV 23

Top franchise brands financed

86 franchise loans across 55 distinct brands.

Franchise Loans
SVN 11
Ace Hardware 4
Keller Williams Market Center 3
Subway 3
The UPS Store  (f/k/a Mail Box 3
Tire Pros 2
FIRE Fitness Camp 2
Togo's and TOGO'S 2
City Wide 2
Pizza Factory 2

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Data source & methodology

All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.