Best SBA 7(a) lenders for used merchandise stores
NAICS 453310 — Used Merchandise Stores.
158 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $47.2M.
Loans
158
Total $
$47.2M
Avg loan
$299K
Avg rate
6.68%
Avg term
140 mo
Industry chg-off rate
0.67%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 13 | $1.2M | $91K | 5.62% | 0.00% |
| 2 | U.S. Bank, National Association | 13 | $2.1M | $164K | 7.88% | 0.00% |
| 3 | KeyBank National Association | 11 | $2.6M | $240K | 5.83% | 0.00% |
| 4 | Wells Fargo Bank National Association | 9 | $1.4M | $156K | 7.92% | 0.00% |
| 5 | TD Bank, National Association | 9 | $5.7M | $630K | 9.15% | 0.00% |
| 6 | United Community Bank | 7 | $1.6M | $223K | 5.89% | 0.00% |
| 7 | Citizens Bank | 7 | $3.4M | $479K | 6.21% | 0.00% |
| 8 | Columbia Bank | 6 | $439K | $73K | 6.29% | 0.00% |
| 9 | Cadence Bank | 5 | $3.4M | $674K | 6.55% | 0.00% |
| 10 | BayFirst National Bank | 5 | $1.2M | $243K | 8.15% | 0.00% |
| 11 | First Bank of the Lake | 4 | $1.6M | $400K | 6.13% | 0.00% |
| 12 | 1st Source Bank | 2 | $302K | $151K | 7.50% | 0.00% |
| 13 | JPMorgan Chase Bank, National Association | 2 | $317K | $158K | 8.55% | 0.00% |
| 14 | Eastern Bank | 2 | $65K | $33K | 4.49% | 0.00% |
| 15 | First National Bank of Pennsylvania | 2 | $524K | $262K | 10.63% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 453310. Charge-off rates are calculated on the FY2020–FY2023 cohort only.