Best SBA 7(a) lenders for chocolate and confectionery manufacturing from cacao beans
NAICS 311351 — Chocolate and Confectionery Manufacturing from Cacao Beans.
57 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $23.0M.
Loans
57
Total $
$23.0M
Avg loan
$403K
Avg rate
8.54%
Avg term
109 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 7 | $364K | $52K | 10.57% | 0.00% |
| 2 | First Internet Bank of Indiana | 5 | $3.4M | $689K | 7.75% | 0.00% |
| 3 | The Huntington National Bank | 5 | $1.1M | $217K | 8.99% | 0.00% |
| 4 | KeyBank National Association | 3 | $4.2M | $1.4M | 10.34% | 0.00% |
| 5 | Newtek Bank, National Association | 2 | $600K | $300K | 11.25% | — |
| 6 | 1st Source Bank | 2 | $147K | $74K | 10.00% | 0.00% |
| 7 | Main Street Launch | 2 | $600K | $300K | 9.63% | 0.00% |
| 8 | Choice Financial Group | 2 | $390K | $195K | 6.00% | 0.00% |
| 9 | Commerce Bank | 2 | $5.0M | $2.5M | 8.50% | 0.00% |
| 10 | GenuBank | 2 | $350K | $175K | 8.75% | 0.00% |
| 11 | Zions Bank, A Division of | 2 | $291K | $146K | 9.38% | — |
| 12 | 22nd State Bank, A Division of 22nd State Banking Company | 1 | $436K | $436K | 8.00% | 0.00% |
| 13 | Columbia Bank | 1 | $50K | $50K | 12.50% | — |
| 14 | Clear Mountain Bank, Inc. | 1 | $45K | $45K | 9.00% | — |
| 15 | BayFirst National Bank | 1 | $340K | $340K | 5.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 311351. Charge-off rates are calculated on the FY2020–FY2023 cohort only.