Best SBA 7(a) lenders for industrial building construction
NAICS 236210 — Industrial Building Construction.
396 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $215.7M.
Loans
396
Total $
$215.7M
Avg loan
$545K
Avg rate
9.07%
Avg term
128 mo
Industry chg-off rate
2.23%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Northeast Bank | 57 | $12.7M | $223K | 10.75% | 0.00% |
| 2 | Readycap Lending, LLC | 21 | $5.9M | $283K | 12.40% | 0.00% |
| 3 | The Huntington National Bank | 20 | $7.5M | $373K | 7.21% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 16 | $1.7M | $104K | 10.33% | 0.00% |
| 5 | U.S. Bank, National Association | 16 | $11.7M | $732K | 7.84% | 0.00% |
| 6 | Wells Fargo Bank National Association | 15 | $1.6M | $109K | 10.89% | 0.00% |
| 7 | BayFirst National Bank | 15 | $2.2M | $145K | 12.23% | 33.33% |
| 8 | Cadence Bank | 13 | $3.3M | $254K | 8.52% | 10.00% |
| 9 | Banco Popular de Puerto Rico | 7 | $2.1M | $296K | 10.14% | 0.00% |
| 10 | Newtek Small Business Finance, Inc. | 7 | $7.3M | $1.0M | 8.29% | 0.00% |
| 11 | Webster Bank National Association | 7 | $1.9M | $278K | 10.39% | — |
| 12 | JPMorgan Chase Bank, National Association | 6 | $1.2M | $201K | 9.21% | 33.33% |
| 13 | Oriental Bank | 6 | $990K | $165K | 8.33% | 0.00% |
| 14 | Zions Bank, A Division of | 6 | $1.3M | $210K | 9.81% | 0.00% |
| 15 | TD Bank, National Association | 5 | $1.9M | $389K | 7.77% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 236210. Charge-off rates are calculated on the FY2020–FY2023 cohort only.