Best SBA 7(a) lenders for water supply and irrigation systems
NAICS 221310 — Water Supply and Irrigation Systems.
247 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $115.5M.
Loans
247
Total $
$115.5M
Avg loan
$468K
Avg rate
8.37%
Avg term
123 mo
Industry chg-off rate
2.65%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 21 | $2.0M | $94K | 7.97% | 0.00% |
| 2 | United Midwest Savings Bank National Association | 18 | $2.6M | $146K | 6.69% | 11.76% |
| 3 | Wells Fargo Bank National Association | 12 | $1.8M | $148K | 9.34% | 14.29% |
| 4 | Northeast Bank | 10 | $1.5M | $150K | 11.13% | — |
| 5 | BayFirst National Bank | 7 | $1.1M | $161K | 12.21% | 0.00% |
| 6 | Newtek Bank, National Association | 7 | $8.1M | $1.2M | 10.64% | 0.00% |
| 7 | Eastern Bank | 6 | $998K | $166K | 5.66% | 0.00% |
| 8 | JPMorgan Chase Bank, National Association | 6 | $853K | $142K | 12.99% | 0.00% |
| 9 | U.S. Bank, National Association | 5 | $4.7M | $931K | 7.44% | 0.00% |
| 10 | Manufacturers and Traders Trust Company | 5 | $475K | $95K | 7.85% | 0.00% |
| 11 | First National Bank of Pennsylvania | 4 | $2.6M | $645K | 9.86% | — |
| 12 | TD Bank, National Association | 4 | $225K | $56K | 9.75% | 0.00% |
| 13 | Readycap Lending, LLC | 4 | $583K | $146K | 10.44% | 0.00% |
| 14 | PNC Bank, National Association | 4 | $428K | $107K | 8.22% | 25.00% |
| 15 | Community Bank & Trust-West Georgia | 3 | $5.6M | $1.9M | 6.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 221310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.