Best SBA 7(a) lenders for all other transit and ground passenger transportation
NAICS 485999 — All Other Transit and Ground Passenger Transportation.
286 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $71.8M.
Loans
286
Total $
$71.8M
Avg loan
$251K
Avg rate
9.40%
Avg term
114 mo
Industry chg-off rate
9.20%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 42 | $6.8M | $163K | 9.33% | 0.00% |
| 2 | TD Bank, National Association | 29 | $1.7M | $57K | 11.14% | 28.57% |
| 3 | Northeast Bank | 20 | $2.5M | $123K | 10.71% | 0.00% |
| 4 | Manufacturers and Traders Trust Company | 19 | $771K | $41K | 11.03% | 15.38% |
| 5 | BayFirst National Bank | 11 | $1.6M | $142K | 11.57% | 37.50% |
| 6 | Wells Fargo Bank National Association | 10 | $395K | $40K | 10.69% | 0.00% |
| 7 | Readycap Lending, LLC | 7 | $1.7M | $241K | 11.21% | 0.00% |
| 8 | U.S. Bank, National Association | 7 | $1.3M | $185K | 6.98% | 0.00% |
| 9 | PNC Bank, National Association | 6 | $1.8M | $298K | 9.31% | 20.00% |
| 10 | The Community Bank | 5 | $423K | $85K | 5.63% | 0.00% |
| 11 | Celtic Bank Corporation | 5 | $590K | $118K | 10.90% | 0.00% |
| 12 | Cadence Bank | 5 | $1.4M | $271K | 7.65% | 0.00% |
| 13 | Newtek Small Business Finance, Inc. | 5 | $1.6M | $320K | 7.35% | 0.00% |
| 14 | KeyBank National Association | 4 | $130K | $33K | 11.99% | 0.00% |
| 15 | Telhio Credit Union Inc | 4 | $662K | $166K | 5.38% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 485999. Charge-off rates are calculated on the FY2020–FY2023 cohort only.