Best SBA 7(a) lenders for clothing accessories stores
NAICS 448150 — Clothing Accessories Stores.
117 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $27.0M.
Loans
117
Total $
$27.0M
Avg loan
$230K
Avg rate
7.54%
Avg term
112 mo
Industry chg-off rate
3.60%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 13 | $598K | $46K | 11.07% | 10.00% |
| 2 | Manufacturers and Traders Trust Company | 12 | $346K | $29K | 8.58% | 0.00% |
| 3 | U.S. Bank, National Association | 9 | $473K | $53K | 6.82% | 11.11% |
| 4 | Wells Fargo Bank National Association | 8 | $500K | $62K | 8.90% | 0.00% |
| 5 | JPMorgan Chase Bank, National Association | 5 | $606K | $121K | 9.74% | 0.00% |
| 6 | Cadence Bank | 5 | $1.1M | $230K | 6.75% | 0.00% |
| 7 | Clear Lake Bank & Trust Company | 4 | $160K | $40K | 5.38% | 0.00% |
| 8 | BayFirst National Bank | 4 | $515K | $129K | 11.44% | 0.00% |
| 9 | PNC Bank, National Association | 3 | $648K | $216K | 7.08% | 0.00% |
| 10 | The Huntington National Bank | 3 | $115K | $38K | 6.33% | 0.00% |
| 11 | Newtek Small Business Finance, Inc. | 3 | $174K | $58K | 7.75% | 33.33% |
| 12 | ChoiceOne Bank | 2 | $1.0M | $521K | 9.00% | — |
| 13 | Bank Midwest | 2 | $90K | $45K | 5.38% | 0.00% |
| 14 | Farmers State Bank | 2 | $1.4M | $718K | 4.50% | 0.00% |
| 15 | Webster Bank National Association | 2 | $3.4M | $1.7M | 4.00% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 448150. Charge-off rates are calculated on the FY2020–FY2023 cohort only.