Best SBA 7(a) lenders for soil preparation, planting, and cultivating
NAICS 115112 — Soil Preparation, Planting, and Cultivating.
136 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $60.9M.
Loans
136
Total $
$60.9M
Avg loan
$448K
Avg rate
7.82%
Avg term
113 mo
Industry chg-off rate
1.18%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 7 | $866K | $124K | 7.11% | 0.00% |
| 2 | Manufacturers and Traders Trust Company | 6 | $444K | $74K | 9.38% | 0.00% |
| 3 | Red River State Bank | 5 | $1.1M | $216K | 4.35% | 0.00% |
| 4 | Wells Fargo Bank National Association | 4 | $1.1M | $266K | 11.30% | 50.00% |
| 5 | Stearns Bank National Association | 4 | $5.1M | $1.3M | 7.88% | 0.00% |
| 6 | BayFirst National Bank | 3 | $1.9M | $633K | 9.92% | 0.00% |
| 7 | First State Bank Nebraska | 3 | $1.6M | $533K | 7.83% | 0.00% |
| 8 | Dream First Bank National Association | 3 | $1.0M | $335K | 6.88% | 0.00% |
| 9 | U.S. Bank, National Association | 3 | $580K | $193K | 6.94% | 0.00% |
| 10 | Newtek Bank, National Association | 3 | $5.8M | $1.9M | 11.33% | — |
| 11 | Banc of California | 3 | $1.9M | $649K | 5.83% | 0.00% |
| 12 | Regions Bank | 3 | $4.4M | $1.5M | 4.51% | 0.00% |
| 13 | Banner Bank | 2 | $310K | $155K | 7.00% | 0.00% |
| 14 | Arvest Bank | 2 | $134K | $67K | 8.25% | 0.00% |
| 15 | Citizens Bank & Trust Co | 2 | $1.0M | $500K | 6.88% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 115112. Charge-off rates are calculated on the FY2020–FY2023 cohort only.