Best SBA 7(a) lenders for tobacco stores
NAICS 453991 — Tobacco Stores.
125 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $40.9M.
Loans
125
Total $
$40.9M
Avg loan
$327K
Avg rate
6.46%
Avg term
148 mo
Industry chg-off rate
0.00%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 14 | $2.8M | $200K | 5.75% | 0.00% |
| 2 | Wells Fargo Bank National Association | 8 | $556K | $69K | 8.36% | 0.00% |
| 3 | U.S. Bank, National Association | 7 | $237K | $34K | 6.67% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 6 | $370K | $62K | 8.00% | 0.00% |
| 5 | TD Bank, National Association | 6 | $637K | $106K | 8.93% | 0.00% |
| 6 | Newtek Small Business Finance, Inc. | 6 | $3.2M | $532K | 7.54% | 0.00% |
| 7 | Commonwealth Business Bank | 5 | $1.3M | $269K | 5.70% | 0.00% |
| 8 | BayFirst National Bank | 3 | $553K | $184K | 8.17% | 0.00% |
| 9 | OakStar Bank | 3 | $592K | $197K | 6.50% | 0.00% |
| 10 | GBC International Bank | 3 | $810K | $270K | 6.08% | 0.00% |
| 11 | IncredibleBank | 3 | $2.6M | $874K | 7.50% | 0.00% |
| 12 | Cadence Bank | 2 | $700K | $350K | 6.88% | 0.00% |
| 13 | Arvest Bank | 2 | $100K | $50K | 7.25% | 0.00% |
| 14 | Northeast Bank | 2 | $424K | $212K | 5.25% | 0.00% |
| 15 | American Continental Bank | 2 | $1.3M | $650K | 4.75% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 453991. Charge-off rates are calculated on the FY2020–FY2023 cohort only.