Best SBA 7(a) lenders for couriers
NAICS 492110 — Couriers.
1,100 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $564.3M.
Loans
1,100
Total $
$564.3M
Avg loan
$513K
Avg rate
8.83%
Avg term
114 mo
Industry chg-off rate
3.98%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 70 | $8.3M | $118K | 10.65% | 3.33% |
| 2 | U.S. Bank, National Association | 62 | $18.5M | $298K | 8.31% | 9.38% |
| 3 | The Huntington National Bank | 49 | $7.1M | $146K | 9.20% | 0.00% |
| 4 | Wells Fargo Bank National Association | 48 | $3.4M | $70K | 10.96% | 11.76% |
| 5 | Readycap Lending, LLC | 47 | $43.1M | $918K | 8.64% | 3.70% |
| 6 | Falcon National Bank | 41 | $32.4M | $790K | 9.37% | 0.00% |
| 7 | BankVista | 41 | $26.6M | $649K | 5.82% | 7.89% |
| 8 | Northeast Bank | 39 | $6.4M | $164K | 10.86% | 25.00% |
| 9 | Manufacturers and Traders Trust Company | 37 | $4.0M | $107K | 10.24% | 22.22% |
| 10 | Celtic Bank Corporation | 35 | $22.5M | $642K | 8.16% | 0.00% |
| 11 | JPMorgan Chase Bank, National Association | 34 | $9.1M | $267K | 11.63% | 0.00% |
| 12 | Byline Bank | 31 | $31.8M | $1.0M | 7.97% | 0.00% |
| 13 | Stearns Bank National Association | 18 | $9.0M | $499K | 8.07% | 0.00% |
| 14 | GBank | 17 | $19.0M | $1.1M | 10.06% | 0.00% |
| 15 | KeyBank National Association | 16 | $5.0M | $309K | 10.29% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 492110. Charge-off rates are calculated on the FY2020–FY2023 cohort only.