Best SBA 7(a) lenders for confectionery and nut stores
NAICS 445292 — Confectionery and Nut Stores.
190 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $57.3M.
Loans
190
Total $
$57.3M
Avg loan
$302K
Avg rate
8.75%
Avg term
126 mo
Industry chg-off rate
3.03%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 28 | $3.2M | $115K | 8.33% | 0.00% |
| 2 | U.S. Bank, National Association | 13 | $1.8M | $142K | 7.89% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 9 | $910K | $101K | 11.13% | 0.00% |
| 4 | Northeast Bank | 7 | $1.3M | $192K | 11.36% | — |
| 5 | TD Bank, National Association | 7 | $2.0M | $291K | 10.65% | 40.00% |
| 6 | Newtek Bank, National Association | 6 | $1.6M | $259K | 10.88% | 0.00% |
| 7 | Readycap Lending, LLC | 6 | $1.4M | $226K | 12.17% | 0.00% |
| 8 | Nicolet National Bank | 5 | $3.1M | $611K | 5.80% | 20.00% |
| 9 | BayFirst National Bank | 5 | $750K | $150K | 13.25% | 0.00% |
| 10 | Harvest Small Business Finance, LLC | 4 | $2.3M | $575K | 9.25% | 0.00% |
| 11 | Hancock Whitney Bank | 4 | $472K | $118K | 5.45% | 0.00% |
| 12 | Eastern Bank | 3 | $143K | $48K | 10.07% | — |
| 13 | Exchange Bank | 3 | $1.1M | $376K | 6.33% | 0.00% |
| 14 | KeyBank National Association | 3 | $574K | $191K | 11.31% | — |
| 15 | Lake Michigan CU | 3 | $1.4M | $478K | 6.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 445292. Charge-off rates are calculated on the FY2020–FY2023 cohort only.