Best SBA 7(a) lenders for hobby, toy, and game stores
NAICS 451120 — Hobby, Toy, and Game Stores.
149 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $37.7M.
Loans
149
Total $
$37.7M
Avg loan
$253K
Avg rate
7.30%
Avg term
127 mo
Industry chg-off rate
2.94%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 21 | $3.1M | $149K | 7.89% | 0.00% |
| 2 | U.S. Bank, National Association | 14 | $2.4M | $172K | 6.73% | 0.00% |
| 3 | TD Bank, National Association | 12 | $935K | $78K | 10.48% | 0.00% |
| 4 | Wells Fargo Bank National Association | 8 | $442K | $55K | 8.25% | 0.00% |
| 5 | Newtek Small Business Finance, Inc. | 6 | $1.9M | $317K | 6.29% | 0.00% |
| 6 | Manufacturers and Traders Trust Company | 5 | $885K | $177K | 7.90% | 20.00% |
| 7 | Readycap Lending, LLC | 4 | $765K | $191K | 9.88% | 33.33% |
| 8 | BayFirst National Bank | 3 | $640K | $213K | 10.08% | 0.00% |
| 9 | PNC Bank, National Association | 3 | $1.2M | $413K | 6.52% | 0.00% |
| 10 | BankVista | 3 | $1.4M | $467K | 5.08% | 0.00% |
| 11 | Heritage Bank of Commerce | 2 | $3.9M | $1.9M | 6.00% | 0.00% |
| 12 | Friend Bank | 2 | $200K | $100K | 6.00% | 0.00% |
| 13 | Legacy Bank & Trust Company | 2 | $906K | $453K | 5.38% | 0.00% |
| 14 | Meridian Bank | 2 | $850K | $425K | 11.13% | — |
| 15 | United Community Bank | 2 | $890K | $445K | 5.88% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 451120. Charge-off rates are calculated on the FY2020–FY2023 cohort only.