Best SBA 7(a) lenders for cookie and cracker manufacturing
NAICS 311821 — Cookie and Cracker Manufacturing.
80 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $35.8M.
Loans
80
Total $
$35.8M
Avg loan
$448K
Avg rate
8.67%
Avg term
114 mo
Industry chg-off rate
2.27%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 13 | $2.1M | $158K | 10.35% | 0.00% |
| 2 | Central Bank | 4 | $11.0M | $2.8M | 9.69% | — |
| 3 | Newtek Bank, National Association | 4 | $2.7M | $675K | 10.63% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 4 | $740K | $185K | 8.94% | 0.00% |
| 5 | ChoiceOne Bank | 3 | $448K | $149K | 7.17% | 0.00% |
| 6 | Readycap Lending, LLC | 3 | $229K | $76K | 11.67% | 50.00% |
| 7 | Midwest Regional Bank | 3 | $1.2M | $391K | 6.00% | 0.00% |
| 8 | Camden National Bank | 3 | $85K | $28K | 8.50% | — |
| 9 | Wells Fargo Bank National Association | 3 | $5.0M | $1.7M | 6.73% | 0.00% |
| 10 | Byline Bank | 2 | $1.9M | $975K | 11.25% | — |
| 11 | Northwest Bank | 2 | $236K | $118K | 8.50% | — |
| 12 | Northeast Bank | 2 | $100K | $50K | 11.25% | — |
| 13 | The First National Bank of Ballinger | 2 | $180K | $90K | 5.13% | 0.00% |
| 14 | The Farmers Bank, Frankfort, Indiana | 2 | $289K | $145K | 9.25% | — |
| 15 | Lendistry SBLC, LLC | 2 | $253K | $126K | 12.75% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 311821. Charge-off rates are calculated on the FY2020–FY2023 cohort only.