Best SBA 7(a) lenders for gasoline stations with convenience stores
NAICS 447110 — Gasoline Stations with Convenience Stores.
1,776 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $2.58B.
Loans
1,776
Total $
$2.58B
Avg loan
$1.5M
Avg rate
5.40%
Avg term
262 mo
Industry chg-off rate
0.29%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Celtic Bank Corporation | 104 | $206.6M | $2.0M | 5.87% | 0.00% |
| 2 | Metro City Bank | 101 | $152.9M | $1.5M | 4.59% | 0.00% |
| 3 | Wallis Bank | 78 | $147.6M | $1.9M | 5.15% | 0.00% |
| 4 | Commonwealth Business Bank | 67 | $117.1M | $1.7M | 4.99% | 0.00% |
| 5 | Readycap Lending, LLC | 67 | $119.6M | $1.8M | 5.25% | 0.00% |
| 6 | Byline Bank | 56 | $67.2M | $1.2M | 6.00% | 1.79% |
| 7 | Open Bank | 54 | $102.8M | $1.9M | 4.98% | 1.85% |
| 8 | PCB Bank | 49 | $103.0M | $2.1M | 4.92% | 0.00% |
| 9 | TD Bank, National Association | 45 | $12.5M | $277K | 8.40% | 2.56% |
| 10 | Citizens Bank | 43 | $54.3M | $1.3M | 5.38% | 0.00% |
| 11 | HomeTrust Bank | 35 | $41.7M | $1.2M | 5.21% | 0.00% |
| 12 | The MINT National Bank | 32 | $64.4M | $2.0M | 5.40% | 0.00% |
| 13 | Enterprise Bank & Trust | 29 | $41.7M | $1.4M | 5.41% | 0.00% |
| 14 | The Huntington National Bank | 28 | $33.1M | $1.2M | 5.49% | 0.00% |
| 15 | Bank of Hope | 27 | $53.9M | $2.0M | 5.04% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 447110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.