Best SBA 7(a) lenders for family clothing stores
NAICS 448140 — Family Clothing Stores.
114 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $33.8M.
Loans
114
Total $
$33.8M
Avg loan
$297K
Avg rate
6.90%
Avg term
126 mo
Industry chg-off rate
4.46%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 12 | $1.3M | $109K | 6.13% | 8.33% |
| 2 | TD Bank, National Association | 12 | $1.2M | $101K | 9.13% | 0.00% |
| 3 | Manufacturers and Traders Trust Company | 9 | $500K | $56K | 8.14% | 11.11% |
| 4 | U.S. Bank, National Association | 8 | $1.2M | $149K | 7.03% | 0.00% |
| 5 | Wells Fargo Bank National Association | 8 | $98K | $12K | 8.38% | 12.50% |
| 6 | BayFirst National Bank | 4 | $440K | $110K | 9.56% | 25.00% |
| 7 | Bank of Hope | 3 | $450K | $150K | 5.33% | 0.00% |
| 8 | Hancock Whitney Bank | 2 | $464K | $232K | 6.13% | 0.00% |
| 9 | KeyBank National Association | 2 | $55K | $28K | 6.21% | 0.00% |
| 10 | Five Star Bank | 2 | $675K | $338K | 6.88% | 0.00% |
| 11 | Bank of America, National Association | 2 | $1.5M | $751K | 5.25% | 0.00% |
| 12 | Banner Bank | 2 | $117K | $59K | 6.00% | 0.00% |
| 13 | Citizens Bank | 2 | $1.8M | $877K | 5.50% | 0.00% |
| 14 | Webster Bank National Association | 2 | $350K | $175K | 8.00% | — |
| 15 | JPMorgan Chase Bank, National Association | 2 | $531K | $266K | 9.57% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 448140. Charge-off rates are calculated on the FY2020–FY2023 cohort only.