Best SBA 7(a) lenders for electronic shopping
NAICS 454111 — Electronic Shopping.
220 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $31.9M.
Loans
220
Total $
$31.9M
Avg loan
$145K
Avg rate
11.01%
Avg term
116 mo
Industry chg-off rate
8.05%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 173 | $15.9M | $92K | 11.55% | 5.71% |
| 2 | BayFirst National Bank | 28 | $3.7M | $133K | 10.51% | 22.22% |
| 3 | Columbia Bank | 3 | $1.9M | $638K | 8.00% | 0.00% |
| 4 | Five Star Bank | 3 | $1.0M | $333K | 6.00% | 0.00% |
| 5 | Midwest Regional Bank | 2 | $2.6M | $1.3M | 11.25% | — |
| 6 | Sunflower Bank National Association | 2 | $1.5M | $744K | 5.20% | 0.00% |
| 7 | Byline Bank | 1 | $985K | $985K | 5.50% | 0.00% |
| 8 | Capital One, National Association | 1 | $325K | $325K | 6.75% | 0.00% |
| 9 | Celtic Bank Corporation | 1 | $150K | $150K | 6.00% | 0.00% |
| 10 | Bank of America, National Association | 1 | $300K | $300K | 2.99% | 0.00% |
| 11 | Fountainhead SBF LLC | 1 | $764K | $764K | 9.25% | 0.00% |
| 12 | Newtek Small Business Finance, Inc. | 1 | $200K | $200K | 6.25% | 0.00% |
| 13 | Gulf Coast Bank and Trust Company | 1 | $1.6M | $1.6M | 6.00% | 0.00% |
| 14 | Village Bank and Trust, National Association | 1 | $250K | $250K | 6.50% | 0.00% |
| 15 | Western Alliance Bank | 1 | $746K | $746K | 4.50% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 454111. Charge-off rates are calculated on the FY2020–FY2023 cohort only.