Best SBA 7(a) lenders for poured concrete foundation and structure contractors
NAICS 238110 — Poured Concrete Foundation and Structure Contractors.
1,350 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $447.2M.
Loans
1,350
Total $
$447.2M
Avg loan
$331K
Avg rate
8.68%
Avg term
115 mo
Industry chg-off rate
2.82%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 195 | $21.0M | $108K | 8.66% | 1.69% |
| 2 | United Midwest Savings Bank National Association | 126 | $18.4M | $146K | 8.47% | 9.09% |
| 3 | U.S. Bank, National Association | 124 | $10.8M | $87K | 9.02% | 1.52% |
| 4 | TD Bank, National Association | 60 | $6.4M | $106K | 10.45% | 9.68% |
| 5 | JPMorgan Chase Bank, National Association | 35 | $5.8M | $165K | 10.86% | 0.00% |
| 6 | Wells Fargo Bank National Association | 30 | $10.7M | $356K | 9.55% | 5.00% |
| 7 | Manufacturers and Traders Trust Company | 29 | $4.1M | $142K | 9.87% | 4.55% |
| 8 | Northeast Bank | 28 | $5.9M | $209K | 10.88% | — |
| 9 | Zions Bank, A Division of | 26 | $4.7M | $182K | 10.09% | 0.00% |
| 10 | Readycap Lending, LLC | 24 | $9.2M | $385K | 11.60% | 0.00% |
| 11 | KeyBank National Association | 23 | $5.1M | $220K | 7.65% | 0.00% |
| 12 | Columbia Bank | 22 | $1.3M | $61K | 11.33% | 0.00% |
| 13 | PNC Bank, National Association | 21 | $2.4M | $113K | 10.83% | 14.29% |
| 14 | Bank of America, National Association | 20 | $8.0M | $401K | 7.30% | 0.00% |
| 15 | Cadence Bank | 14 | $4.9M | $352K | 9.21% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 238110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.