Best SBA 7(a) lenders for other miscellaneous durable goods merchant wholesalers
NAICS 423990 — Other Miscellaneous Durable Goods Merchant Wholesalers.
1,328 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $982.5M.
Loans
1,328
Total $
$982.5M
Avg loan
$740K
Avg rate
8.63%
Avg term
134 mo
Industry chg-off rate
4.77%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | BayFirst National Bank | 104 | $16.6M | $159K | 12.02% | 10.00% |
| 2 | U.S. Bank, National Association | 66 | $35.1M | $531K | 7.69% | 8.51% |
| 3 | TD Bank, National Association | 65 | $10.3M | $159K | 10.43% | 11.43% |
| 4 | The Huntington National Bank | 59 | $21.8M | $370K | 8.63% | 0.00% |
| 5 | Northeast Bank | 57 | $11.0M | $192K | 11.04% | 40.00% |
| 6 | Readycap Lending, LLC | 40 | $25.8M | $644K | 10.56% | 0.00% |
| 7 | JPMorgan Chase Bank, National Association | 38 | $13.3M | $350K | 9.80% | 5.88% |
| 8 | Newtek Bank, National Association | 37 | $21.6M | $584K | 11.08% | 0.00% |
| 9 | Manufacturers and Traders Trust Company | 35 | $4.2M | $121K | 8.97% | 26.92% |
| 10 | Wells Fargo Bank National Association | 34 | $22.7M | $667K | 8.69% | 0.00% |
| 11 | Cadence Bank | 22 | $4.7M | $213K | 7.45% | 5.26% |
| 12 | East West Bank | 19 | $25.1M | $1.3M | 6.86% | 0.00% |
| 13 | FinWise Bank | 19 | $29.7M | $1.6M | 8.29% | 8.33% |
| 14 | BMO Bank National Association | 18 | $25.3M | $1.4M | 5.97% | 0.00% |
| 15 | Live Oak Banking Company | 17 | $30.4M | $1.8M | 7.34% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 423990. Charge-off rates are calculated on the FY2020–FY2023 cohort only.