Best SBA 7(a) lenders for tax preparation services
NAICS 541213 — Tax Preparation Services.
1,257 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $354.4M.
Loans
1,257
Total $
$354.4M
Avg loan
$282K
Avg rate
9.76%
Avg term
132 mo
Industry chg-off rate
3.06%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Readycap Lending, LLC | 103 | $8.6M | $84K | 12.66% | 4.35% |
| 2 | The Huntington National Bank | 87 | $16.1M | $185K | 8.91% | 4.44% |
| 3 | Newtek Bank, National Association | 85 | $15.6M | $183K | 11.81% | 0.00% |
| 4 | TD Bank, National Association | 76 | $5.6M | $74K | 10.75% | 0.00% |
| 5 | Northeast Bank | 75 | $4.0M | $53K | 10.99% | 0.00% |
| 6 | Live Oak Banking Company | 70 | $49.3M | $704K | 8.79% | 0.00% |
| 7 | Wells Fargo Bank National Association | 59 | $4.5M | $76K | 10.69% | 6.06% |
| 8 | BayFirst National Bank | 51 | $6.6M | $129K | 11.32% | 12.00% |
| 9 | U.S. Bank, National Association | 47 | $18.3M | $389K | 8.07% | 5.00% |
| 10 | Lendistry SBLC, LLC | 32 | $2.8M | $86K | 12.48% | 0.00% |
| 11 | Celtic Bank Corporation | 30 | $5.8M | $195K | 9.34% | 15.38% |
| 12 | Cadence Bank | 29 | $8.7M | $301K | 8.80% | 10.00% |
| 13 | JPMorgan Chase Bank, National Association | 26 | $5.6M | $216K | 11.79% | 0.00% |
| 14 | Newtek Small Business Finance, Inc. | 23 | $4.0M | $176K | 8.63% | 0.00% |
| 15 | United Midwest Savings Bank National Association | 21 | $19.4M | $923K | 10.02% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541213. Charge-off rates are calculated on the FY2020–FY2023 cohort only.