Best SBA 7(a) lenders for distilleries
NAICS 312140 — Distilleries.
264 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $189.2M.
Loans
264
Total $
$189.2M
Avg loan
$717K
Avg rate
8.18%
Avg term
139 mo
Industry chg-off rate
1.19%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 18 | $2.9M | $160K | 9.36% | 14.29% |
| 2 | Dogwood State Bank | 16 | $12.8M | $802K | 8.45% | 0.00% |
| 3 | Newtek Bank, National Association | 11 | $6.9M | $630K | 11.30% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 10 | $4.9M | $490K | 8.63% | 0.00% |
| 5 | Live Oak Banking Company | 9 | $16.5M | $1.8M | 7.69% | 0.00% |
| 6 | Readycap Lending, LLC | 6 | $1.9M | $321K | 12.33% | 0.00% |
| 7 | KeyBank National Association | 5 | $1.6M | $323K | 6.05% | 0.00% |
| 8 | United Community Bank | 5 | $1.5M | $292K | 6.70% | 0.00% |
| 9 | Northeast Bank | 5 | $1.1M | $219K | 10.85% | — |
| 10 | Newtek Small Business Finance, Inc. | 4 | $8.0M | $2.0M | 8.06% | 0.00% |
| 11 | Columbia Bank | 4 | $1.2M | $305K | 10.25% | 0.00% |
| 12 | First Commonwealth Bank | 4 | $5.3M | $1.3M | 6.31% | 0.00% |
| 13 | Celtic Bank Corporation | 4 | $4.1M | $1.0M | 7.31% | 0.00% |
| 14 | Washington Trust Bank | 4 | $1.9M | $485K | 8.44% | 0.00% |
| 15 | Zions Bank, A Division of | 4 | $421K | $105K | 10.88% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 312140. Charge-off rates are calculated on the FY2020–FY2023 cohort only.