Best SBA 7(a) lenders for commercial bakeries
NAICS 311812 — Commercial Bakeries.
337 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $179.1M.
Loans
337
Total $
$179.1M
Avg loan
$531K
Avg rate
8.60%
Avg term
136 mo
Industry chg-off rate
2.07%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 26 | $5.9M | $225K | 8.89% | 0.00% |
| 2 | TD Bank, National Association | 21 | $4.8M | $230K | 10.34% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 15 | $1.1M | $72K | 10.53% | 25.00% |
| 4 | Readycap Lending, LLC | 9 | $8.1M | $896K | 9.78% | 0.00% |
| 5 | Lendistry SBLC, LLC | 8 | $1.5M | $192K | 12.28% | 0.00% |
| 6 | Northeast Bank | 8 | $955K | $119K | 11.00% | — |
| 7 | Banco Popular de Puerto Rico | 7 | $859K | $123K | 11.96% | 0.00% |
| 8 | Zions Bank, A Division of | 7 | $1.1M | $153K | 8.44% | 0.00% |
| 9 | Columbia Bank | 6 | $5.3M | $881K | 8.08% | 0.00% |
| 10 | Brookline Bank, a Division of Beacon Bank and Trust | 6 | $5.8M | $966K | 8.71% | 0.00% |
| 11 | Newtek Small Business Finance, Inc. | 5 | $3.8M | $765K | 7.55% | 0.00% |
| 12 | Live Oak Banking Company | 5 | $5.5M | $1.1M | 8.06% | 0.00% |
| 13 | Byline Bank | 5 | $7.6M | $1.5M | 8.70% | 0.00% |
| 14 | U.S. Bank, National Association | 5 | $3.7M | $745K | 8.32% | 0.00% |
| 15 | KeyBank National Association | 5 | $1.2M | $232K | 8.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 311812. Charge-off rates are calculated on the FY2020–FY2023 cohort only.