Best SBA 7(a) lenders for custom computer programming services
NAICS 541511 — Custom Computer Programming Services.
1,777 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $796.3M.
Loans
1,777
Total $
$796.3M
Avg loan
$448K
Avg rate
9.39%
Avg term
119 mo
Industry chg-off rate
2.25%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 204 | $99.6M | $488K | 11.34% | 0.00% |
| 2 | U.S. Bank, National Association | 117 | $13.0M | $111K | 8.48% | 3.80% |
| 3 | BayFirst National Bank | 110 | $20.1M | $182K | 11.25% | 2.13% |
| 4 | Bank of America, National Association | 101 | $42.0M | $416K | 7.98% | 0.00% |
| 5 | TD Bank, National Association | 90 | $9.9M | $110K | 10.77% | 8.89% |
| 6 | Northeast Bank | 86 | $14.9M | $173K | 10.94% | 0.00% |
| 7 | The Huntington National Bank | 80 | $28.2M | $352K | 8.42% | 2.33% |
| 8 | Manufacturers and Traders Trust Company | 80 | $12.6M | $157K | 9.36% | 3.92% |
| 9 | JPMorgan Chase Bank, National Association | 73 | $22.1M | $303K | 10.00% | 0.00% |
| 10 | Readycap Lending, LLC | 71 | $22.3M | $314K | 11.49% | 12.50% |
| 11 | Wells Fargo Bank National Association | 45 | $7.1M | $158K | 9.58% | 3.33% |
| 12 | Newtek Small Business Finance, Inc. | 34 | $18.9M | $557K | 7.64% | 0.00% |
| 13 | Cadence Bank | 33 | $13.8M | $418K | 9.08% | 6.25% |
| 14 | Five Star Bank | 33 | $9.8M | $296K | 6.42% | 3.03% |
| 15 | Lendistry SBLC, LLC | 29 | $6.4M | $222K | 12.45% | — |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541511. Charge-off rates are calculated on the FY2020–FY2023 cohort only.