Best SBA 7(a) lenders for computer systems design services
NAICS 541512 — Computer Systems Design Services.
1,340 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $575.3M.
Loans
1,340
Total $
$575.3M
Avg loan
$429K
Avg rate
9.22%
Avg term
119 mo
Industry chg-off rate
2.44%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 118 | $33.2M | $282K | 10.06% | 2.04% |
| 2 | U.S. Bank, National Association | 72 | $12.9M | $179K | 8.55% | 4.44% |
| 3 | TD Bank, National Association | 72 | $10.7M | $149K | 10.25% | 2.27% |
| 4 | Bank of America, National Association | 71 | $38.7M | $546K | 8.27% | 0.00% |
| 5 | Manufacturers and Traders Trust Company | 70 | $10.2M | $145K | 9.36% | 6.82% |
| 6 | Northeast Bank | 67 | $10.0M | $150K | 10.99% | 0.00% |
| 7 | BayFirst National Bank | 63 | $10.0M | $159K | 11.36% | 11.11% |
| 8 | Readycap Lending, LLC | 55 | $17.2M | $312K | 12.00% | 0.00% |
| 9 | The Huntington National Bank | 48 | $7.6M | $159K | 8.06% | 0.00% |
| 10 | Newtek Bank, National Association | 46 | $21.9M | $477K | 11.50% | 0.00% |
| 11 | Wells Fargo Bank National Association | 45 | $4.6M | $102K | 9.88% | 5.88% |
| 12 | Celtic Bank Corporation | 44 | $6.7M | $153K | 9.82% | 5.56% |
| 13 | Cadence Bank | 28 | $9.9M | $354K | 8.67% | 0.00% |
| 14 | Live Oak Banking Company | 26 | $41.6M | $1.6M | 8.35% | 0.00% |
| 15 | Newtek Small Business Finance, Inc. | 19 | $23.1M | $1.2M | 7.37% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 541512. Charge-off rates are calculated on the FY2020–FY2023 cohort only.