Best SBA 7(a) lenders for other heavy and civil engineering construction
NAICS 237990 — Other Heavy and Civil Engineering Construction.
475 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $312.9M.
Loans
475
Total $
$312.9M
Avg loan
$659K
Avg rate
8.32%
Avg term
122 mo
Industry chg-off rate
0.72%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 32 | $7.7M | $240K | 8.07% | 0.00% |
| 2 | U.S. Bank, National Association | 26 | $2.5M | $96K | 9.47% | 7.69% |
| 3 | Northeast Bank | 17 | $3.6M | $212K | 11.00% | — |
| 4 | BayFirst National Bank | 12 | $4.0M | $332K | 10.50% | 0.00% |
| 5 | JPMorgan Chase Bank, National Association | 11 | $4.0M | $359K | 9.45% | 0.00% |
| 6 | BancFirst | 10 | $9.5M | $954K | 6.40% | 0.00% |
| 7 | Newtek Small Business Finance, Inc. | 10 | $9.6M | $961K | 6.65% | 0.00% |
| 8 | Manufacturers and Traders Trust Company | 9 | $1.1M | $119K | 10.17% | 0.00% |
| 9 | Mountain America FCU | 8 | $2.1M | $261K | 5.69% | 0.00% |
| 10 | Live Oak Banking Company | 8 | $20.3M | $2.5M | 7.34% | 0.00% |
| 11 | Cadence Bank | 8 | $7.0M | $873K | 9.13% | 0.00% |
| 12 | Readycap Lending, LLC | 8 | $6.0M | $755K | 10.81% | 0.00% |
| 13 | Bank of America, National Association | 7 | $3.6M | $512K | 6.50% | 0.00% |
| 14 | Newtek Bank, National Association | 7 | $3.4M | $486K | 11.57% | — |
| 15 | TD Bank, National Association | 6 | $1.7M | $288K | 9.42% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 237990. Charge-off rates are calculated on the FY2020–FY2023 cohort only.